{"uin":"116L196V04","name":"Bajaj Life Fortune Gain II","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04","insurer":{"slug":"bajaj-life-insurance","name":"Bajaj Life Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":"ULIP","kind":"product","status":"active","approved_on":"2024-10-17","withdrawn_on":null,"summary":"Bajaj Life Fortune Gain II is a non-participating, individual, unit-linked single premium savings insurance plan. It has a 30-day free-look period, a five year lock-in period and a death benefit that is not less than 105% of total premiums paid.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:14:41.676258+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Single Premium plan"],"display":"Single Premium plan","note":null,"quote":"Sub: Issuance of the Policy under application for the life insurance policy towards Single Premium plan dated","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-s1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy defines Policy Term as the period between commencement and maturity date, as specified in the Schedule, but the provided schedule is blank and no filled term is stated.","quote":null,"sources":[],"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":"Written notice of death should be given as soon as possible and preferably within 180 days of the death and the circumstances resulting in death.","display":"As soon as possible, preferably within 180 days of death","note":null,"quote":"Written notice as soon as possible and in any event preferably within 180 days of the death of the life/lives assured, and the circumstances resulting in the death of the life/lives assured.","sources":[{"clause":"35","heading":"Payment of claim","page":26,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-35"}],"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":["Written notice","The claimant’s proof of entitlement to receive payment under the Policy","Original Policy Document","Original death certificate of the life/ lives assured issued by a competent authority","Medical cause of death, certificate from the doctor who last attended to the life/ lives assured or the hospital in which the death occurred","If the death is due to unnatural causes including an accident; a copy of First Information Report (FIR) and Post Mortem Report (PMR)","Any other document as may be asked for looking into the facts and circumstances resulting to a claim under the Policy"],"display":"Written notice, entitlement proof, original policy document, death certificate, medical cause of death certificate, FIR and PMR for unnatural death, and any other required document","note":null,"quote":"a) Written notice as soon as possible and in any event preferably within 180 days of the death of the life/lives assured, and the circumstances resulting in the death of the life/lives assured.\nb) The claimant’s proof of entitlement to receive payment under the Policy.\nc) Original Policy Document.\nd) Original death certificate of the life/ lives assured issued by a competent authority.\ne) Medical cause of death, certificate from the doctor who last attended to the life/ lives assured or the hospital in which the death occurred.\nf) If the death is due to unnatural causes including an accident; a copy of First Information Report (FIR) and Post Mortem Report (PMR). For claiming Death Benefit, copy of FIR and PMR shall be mandatory.\ng) Any other document as may be asked for looking into the facts and circumstances resulting to a claim under the Policy.","sources":[{"clause":"35","heading":"Payment of claim","page":26,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-35"}],"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 policy states documents and intimation timelines but does not state a promised claim decision or payment time counted from intimation or last document.","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":["death due to suicide within 12 months from the Date of Commencement of Risk or from the date of latest revival of the Policy, whichever is later"],"display":"Suicide within 12 months; no other death exclusion stated","note":null,"quote":"Suicide Exclusion In case of death due to suicide within 12 months from the Date of Commencement of Risk or from the date of latest revival of the Policy, whichever is later, the Claimant shall be entitled to the Fund Value, as available on the date of intimation of death. ... There is no other exclusion applicable w.r.t death other than suicide clause.","sources":[{"clause":"Row 4(b)(ii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-4-b-ii"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Grievance Officer at the nearest Customer Care Center or the Customer Care Desk at Bajaj Life Insurance Limited by post, phone or email. If not satisfied or no response is received within 14 days, contact the Grievance Redressal Officer.","display":"First to Grievance Officer or Customer Care Desk; then Grievance Redressal Officer if unresolved in 14 days","note":null,"quote":"In case You have any query or complaint/ grievance, You may contact the Grievance Officer of any nearest Customer Care Center at Branch Office of the Company. Alternatively, You may communicate with the Company:\nBy post at: Customer Care Desk, Bajaj Life Insurance Limited., Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006 By Phone at: 020- 6712 1212 By Email: customercare@bajajlife.com In case You are not satisfied with the resolution provided to You by the above office, or have not received any response within fourteen (14) days, or You have any suggestion in respect of this Policy or on the functioning of the office, You may contact the following official for resolution:\nGrievance Redressal Officer, Bajaj Life Insurance Limited.","sources":[{"clause":"38","heading":"Grievance Redressal","page":26,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-38"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"not-stated","value":null,"display":null,"note":"The policy says Sum Assured is specified in the Schedule, but the provided schedule does not contain a filled amount or minimum and maximum rule.","quote":null,"sources":[],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"On death after commencement of risk and before maturity, the death benefit is the higher of the prevailing Sum Assured or Single Premium Fund Value plus the higher of the Top Up Sum Assured or Top Up Premium Fund Value, if any. It will not be less than the Guaranteed Death Benefit of 105% of total premiums paid, and the Sum Assured is reduced by certain partial withdrawals made in the two years before death.","display":"Higher of prevailing Sum Assured or Single Premium Fund Value plus higher of Top Up Sum Assured or Top Up Premium Fund Value, with a minimum of 105% of Total Premiums Paid","note":"If settlement option is opted at maturity, the death benefit is the higher of Guaranteed Death Benefit or Fund Value.","quote":"On the death of the Life Assured after the Date of Commencement of Risk but before the Maturity Date, the Company, subject to Section 23, Section 24, Section 25, Section 26 and Section 35 below, provided the Policy has not been terminated per Section 27 below, shall pay the following Death Benefit to the Nominee/Policyholder. ... Higher of the prevailing Sum Assured or Single Premium Fund Value plus Higher of the Top Up Sum Assured or Top Up Premium Fund Value, if any, All the above will be as on date of receipt of intimation of death at the office of the Company and will be subject to Sub-Section iii below. ... At no time, the Death Benefit shall be less than the Guaranteed Death Benefit of 105% of the Total Premiums Paid, if any, till the date of death, under the Policy ... The amount of Sum Assured will be reduced to the extent of the partial\nwithdrawals | (non-systematic\nand systematic) made from the Single Premium Fund during the two (2) year period immediately preceding the date of death of the Life Assured.","sources":[{"clause":"5(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-5-a"},{"clause":"5(a)(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-5-a-i"},{"clause":"5(a)(ii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-5-a-ii"},{"clause":"5(a)(iv)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-5-a-iv"}],"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 to maturity, the maturity benefit is the Single Premium Fund Value plus Top Up Premium Fund Value, if any, as on the maturity date, provided the policy has not been terminated.","display":"Single Premium Fund Value plus Top Up Premium Fund Value, if any, on the Maturity Date","note":null,"quote":"The Maturity Benefit on the survival of the Life Assured to the Maturity Date, provided the Policy has not been terminated as per Section 27 below, will be Single Premium Fund Value plus Top Up Premium Fund Value, if any, as on the Maturity Date.","sources":[{"clause":"5(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-5-b"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"The premium paying term is Single Premium.","display":"Single Premium","note":null,"quote":"Premium Paying Term | Single Premium | Maturity Date","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-s1"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":"The document does not state the maximum maturity age.","quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from the date of commencement of risk or the date of latest revival, whichever is later, the claimant is entitled to the Fund Value available on the date of intimation of death, with certain charges recovered after death added back.","display":"Within 12 months, pays Fund Value on date of intimation of death, with specified charges added back","note":null,"quote":"In case of death due to suicide within 12 months from the Date of Commencement of Risk or from the date of latest revival of the Policy, whichever is later, the Claimant shall be entitled to the Fund Value, as available on the date of intimation of death. Any Charges other than the Fund Management Charges or guarantee charges recovered subsequent to the date of death shall be added to the Fund Value as at the date of intimation of death.","sources":[{"clause":"Row 4(b)(ii)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-4-b-ii"}],"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 may surrender the policy at any time. If surrendered during the lock-in period, the Single Premium Fund Value less discontinuance charge, if any, plus Top Up Premium Fund Value is transferred to the Discontinued Life Policy Fund and the discontinuance value is payable at the end of the five policy year lock-in; after completion of the lock-in period, the surrender value is the Fund Value as on the date of surrender.","display":"Surrender any time; during lock-in proceeds move to Discontinued Life Policy Fund and are paid after 5 policy years; after lock-in, Fund Value is payable","note":"The extracted surrender clause text is interleaved with a loyalty addition table, but it states the lock-in and post-lock-in surrender rules.","quote":"The Policyholder may, at any time, surrender the Policy. ... If the Policy is surrendered during Lock-in period, the Single Premium Fund Value less the Discontinuance Charge,\nPolicy Term | Single Premium\nif any, per Section 17g) below, plus the\n50000 to 9,99,999 | 10,00,000 & above\nTop Up Premium Fund Value, if any, (all as on the Date of Surrender) will be\n7 to 9 | Nil | Nil\ntransferred to the Discontinued Life ... The Discontinuance Value, at the end of the Lock-in period of five (5) Policy Years will be payable to the Policyholder as Surrender Value. ... If the Policy is surrendered after the completion of the Lock-in Period, the Surrender Value payable to the Policyholder will be Fund Value as on the Date of Surrender.","sources":[{"clause":"9(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-9-i"},{"clause":"9(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-9-ii"},{"clause":"9(iv)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-9-iv"},{"clause":"9(v)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-9-v"}],"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":"not-applicable","value":null,"display":null,"note":"This is a single premium policy, so there are no future regular premiums to stop paying and no paid-up continuation after missed premiums.","quote":null,"sources":[],"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.","display":"Not applicable","note":null,"quote":"8 Revival\nNot Applicable","sources":[{"clause":"8","heading":"Revival","page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-8"}],"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":"not-stated","value":null,"display":null,"note":"The base policy wording does not state policy loan availability or loan terms.","quote":null,"sources":[],"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":["Bajaj Life Care Plus Rider","Bajaj Life Linked New Critical Illness Benefit Rider","Bajaj Life Linked Accident Protection Rider II"],"display":"Bajaj Life Care Plus Rider; Bajaj Life Linked New Critical Illness Benefit Rider; Bajaj Life Linked Accident Protection Rider II","note":"Rider benefits are governed by their rider documents and are not treated as base policy benefits.","quote":"Additional Rider Benefits with Additional Unit Deduction\nRider Name | UIN | Rider Benefit | Life Covered under Rider | Age | Age Admitted | Date of Commencement of Rider | Rider Cover Term | Rider PPT | Re-turn of Pre-mium (ROP) | Rider Sum Assured | Rider Pre-mium | Rider Maturity Date | Rider Maturity Benefit (`)\nBajaj Life Care Plus Rider | 116 A059 V01 | <<<As per rider schedule>>>\nBajaj Life Linked New Critical Illness Benefit Rider | 116 A060 V01 | <<<As per rider schedule>>>\nBajaj Life Linked Accident Protection Rider II | 116 A057 V03 | <<<As per rider schedule>>>","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-s1"}],"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 policy commencement date, commencement of risk, latest revival or commencement of rider, whichever is later. Within three years it may be called in question for fraud or for material misstatement or suppression, with written communication of the grounds and materials.","display":"No questioning after three (3) years; within three (3) years only as stated for fraud or material misstatement/suppression","note":null,"quote":"No Policy of life insurance shall be called in question on any ground whatsoever after expiry of three (3) years from (a) the Policy Commencement Date or (b) the Date of Commencement of Risk or (c) the date of latest revival of the Policy or (d) the Date of Commencement of Rider; whichever is later. ... On the ground of fraud, a Policy of life insurance may be called in question within three (3) years from ... Life insurance Policy can be called in question within three (3) years on the ground that any statement of or suppression of a fact material to expectancy of life of the Life Assured or Policyholder was incorrectly made in the Proposal Form or other documents, basis which Policy was issued or revived, or Rider issued.","sources":[{"clause":"1","heading":null,"page":34,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-1-4"},{"clause":"2","heading":null,"page":34,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-2-4"},{"clause":"6","heading":null,"page":34,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-6-3"}],"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":"Tax laws are subject to change and the insurer does not provide any warranty or assurance that buying this policy will make the policyholder eligible for income tax or other tax rebate or relief.","display":"No warranty or assurance of income tax or other tax rebate or relief","note":null,"quote":"Tax laws are subject to change. All taxes, including applicable GST & cess, either existing or those that may apply in future (including enhancements of existing taxes) will be charged extra. Payment of such taxes shall be the responsibility of the Policyholder. Bajaj Life Insurance Limited does not provide any warranty or assurance that the Policyholder will be, by virtue of purchasing this Policy, eligible for any income tax or other tax rebate or relief.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-s1"}],"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":"Refund is by value of units on receipt of request plus unallocated premium and charges levied by cancellation of units, after stated deductions.","quote":"Free Look Period You shall be provided a Free Look Period of 30 days beginning from the date of receipt of Policy document, whether received electronically or otherwise, to review the terms and conditions of such policy, except if tenure of the policy is less than a year.","sources":[{"clause":"9(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-9-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"not-applicable","value":null,"display":null,"note":"This is a single premium policy, so there is no later premium due date to which a grace period would apply.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The document does not state the minimum and maximum entry age for buying the policy.","quote":null,"sources":[],"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":["Single Premium"],"display":"Single Premium","note":null,"quote":"Premium Payment Frequency | Single Premium | Maturity Benefit | Fund Value**","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-s1"}],"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":["Single Premium"],"display":"Single Premium","note":null,"quote":"This is a non-participating, life, individual, Unit-Linked Single Premium savings insurance plan.","sources":[{"clause":"2(a)","heading":"This","page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-2-a"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"five (5) consecutive completed Policy Years","note":null,"quote":"“Lock-in Period” means the period of five (5) consecutive completed Policy Years from the Policy Commencement Date, during which period the proceeds of the Policy cannot be paid by the Company to the Policyholder, except in the case of death.","sources":[{"clause":"1(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-1-i"}],"law":[{"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 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-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 1.22 to 1.24","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)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Equity Growth Fund II - Very High","Accelerator Mid-Cap Fund II - Very High","Pure Stock Fund - Very High","Asset Allocation Fund II - High","Bluechip Equity Fund - High","Bond Fund - Moderate","Liquid Fund - Low","Debt Plus Fund - Moderate","Long Term Debt Solution Fund - Moderate","Nifty Alpha 50 Index Fund - Very High","Nifty 200 Alpha 30 Index Fund - Very High","Focused 25 Fund - Very High","Pure Stock Fund II - Very High","Flexi Cap Fund - Very High","Sustainable Equity Fund - Very High","SmallCap Fund - Very High","Dynamic Asset Allocation Fund - High","Individual Short Term Debt Fund - Moderate","Midcap Index Fund - Very High","SmallCap Quality Index Fund - Very high","Nifty 200 Momentum 30 Index Fund - Very High","Nifty 500 Multicap Momentum Quality 50 Index Fund - Very High","Nifty 500 Multifactor 50 Index Fund - Very High","^BSE 500 Enhanced Value 50 Index Fund - Very High","^BSE 500 Dividend Leaders 50 Index Fund - Very High","India Consumption Fund - Very High","Pure Stock In-novation Fund - Very High","^BSE 500 Quality 50 Index Fund - Very High","Opportunities Fund - Very High","Nifty 500 Low Volatility 50 Index Fund - Very High","Nifty 200 Value 30 Index Fund - Very High"],"display":"31 fund options with Low, Moderate, High, Very High and Very high risk profiles","note":null,"quote":"1. | Equity Growth Fund II | The investment objective of this fund is to provide capital appreciation through investment in selected equity stocks that have the potential for capital appreciation. | Very High | ... 2. | Accelerator Mid-Cap Fund II | The investment objective of this fund is to achieve capital appreciation by investing in a diversifei d basket of mid cap stocks and large cap stocks. | Very High | ... 3. | Pure Stock Fund | The investment objective of this fund is to specifcially exclude companies dealing in Gambling, Contests, Liquor, Entertainment (Films, TV etc.), Hotels, Banks and Financial Institutions | Very High | ... 4. | Asset Allocation Fund II | The investment objective of this fund will be to realize a level of total income, including current income and capital appreciation, which is consistent with reasonable investment risk. The investment strategy will involve a felxible policy for allocating assets among equities, bonds and cash. The fund strategy will be to adjust the mix between these asset classes to capitalize on the changing fni ancial markets and economic conditions. The fund will adjust its weights in equity, debt and cash depending on the relative attractiveness of each asset class. | High | ... 5. | Bluechip Equity Fund | The investment objective of this fund is to provide capital appreciation through in-vestment in equities forming part of NSE NIFTY. | High | ... 6. | Bond Fund | The investment objective of this fund is to provide accumulation of income through investment in high quality fxied income securities | Moderate | ... 7. | Liquid Fund | The objective of this fund is to have a fund that aims to protect the invested capital through investments in liquid money market and short-term instruments | Low | ... 8. | Debt Plus Fund | To provide accumulation of income through investment in high quality fxied income Securities | Moderate | ... 9. | Long Term Debt Solution Fund | The investment objective of the Scheme is to generate returns corresponding to the total returns of the securities similar to the benchmark and will be actively managed with moderate risk. | Moderate | ... 10. | Nifty Alpha 50 Index Fund#### | To provide capital appreciation through investment in equities forming part of Nifty Alpha 50 Index. | Very High | ... 11. | Nifty 200 Alpha 30 Index Fund#### | To provide capital appreciation through investment in equities forming part of Nifty 200 Alpha 30 Index. | Very High | ... 12. | Focused 25 Fund | To achieve capital appreciation by investing in a concentrated basket of up to 25 stocks across market capitalizations, predominantly in large caps. | Very High | ... 13. | Pure Stock Fund II | The investment objective of this fund is to specifcially exclude companies dealing in Gambling, Contests, Liquor, Entertainment (Films, TV etc.), Hotels, Tobacco and Tobacco related Institutions. | Very High | ... 14. | Flexi Cap Fund | To achieve capital appreciation by investing in a diversifei d basket of stocks across market capitalizations i.e. Large cap, mid cap and small cap | Very High | ... 15. | Sustainable Equity Fund | To focus on investing in select companies from the Investment universe, which conduct business in socially and environmentally responsible manner while maintaining governance standards | Very High | ... 16. | SmallCap Fund | To achieve capital appreciation by investing in a diversifei d basket of predominantly* small cap stocks. | Very High | ... 17. | Dynamic Asset Allocation Fund | The investment objective of this fund will be to realize a steady stream of current income and as well as generate capital appreciation with appropriate risk and return expectations of the asset classes. The investment strategy would involve a felxible asset allocation among fxied income and equity securities based on the outlook for each of these asset classes. | High | ... 18. | Individual Short Term Debt Fund | To provide stable returns through investment in various fxied income securities | Moderate | ... 19. | Midcap Index Fund#### | To provide capital appreciation through investment in equities forming part of Nifty Midcap 150 Index | Very High | ... 20. | SmallCap Quality Index Fund#### | To provide capital appreciation through investment in equities forming part of Nifty SmallCap 250 Quality 50 Index. | Very high | ... 21. | Nifty 200 Momentum 30 Index Fund#### | The investment objective of the fund is to provide capital appreciation through investment in equities forming part of Nifty 200 Momentum 30 Index | Very High | ... 22. | Nifty 500 Multicap Momentum Quality 50 Index Fund#### | The investment objective of the fund is to provide capital appreciation through investment in equities forming part of Nifty 500 Multicap Momentum Quality 50 Index | Very High | ... 23. | Nifty 500 Multifactor 50 Index Fund#### | To provide capital appreciation through investment in equities forming part of Nifty 500 Multifactor MQVLv (Momentum, Quality, Value & Low Volatility) 50 Index. | Very High | ... 24. | ^BSE 500 Enhanced Value 50 Index Fund#### | To provide capital appreciation through investment in equities forming part of BSE 500 Enhanced Value 50 Index | Very High | ... 25. | ^BSE 500 Dividend Leaders 50 Index Fund#### | To provide capital appreciation through investment in equities forming part of BSE 500 Dividend Leaders 50 Index | Very High | ... 26. | India Consumption Fund | To achieve capital appreciation by investing in a diversifei d basket of equity and equity related instruments of companies in consumption and allied sectors | Very High | ... 27. | Pure Stock In-novation Fund | To achieve capital appreciation by investing in a diversifeid portfolio of companies that are beneftiing from and contributing to innovation across sectors, excluding companies dealing in Gambling, Contests, Liquor, Entertainment (Films, TV etc.), Hotels, Tobacco and Tobacco related Institutions. | Very High | ... 28. | ^BSE 500 Quality 50 Index Fund#### | To provide capital appreciation through investment in equities forming part of BSE 500 Quality 50 Index | Very High | ... 29. | Opportunities Fund | To achieve long-term capital appreciation by investing in a diversifei d basket of equity and equity related instruments of companies predominantly# from the top 250 companies by market capitalisation. | Very High | ... 30. | Nifty 500 Low Volatility 50 Index Fund#### | To provide capital appreciation through investment in equities forming part of Nifty 500 Low Volatility 50 Index | Very High | ... 31. | Nifty 200 Value 30 Index Fund#### | To provide capital appreciation through investment in equities forming part of Nifty 200 Value 30 Index | Very High |","sources":[{"clause":"Row 1","heading":"Equity Growth Fund II","page":15,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-1"},{"clause":"Row 2","heading":"Accelerator Mid-Cap Fund II","page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-2"},{"clause":"Row 3","heading":"Pure Stock Fund","page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-3"},{"clause":"Row 4","heading":"Asset Allocation Fund II","page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-4"},{"clause":"Row 5","heading":"Bluechip Equity Fund","page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-5"},{"clause":"Row 6","heading":"Bond Fund","page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-6"},{"clause":"Row 7","heading":"Liquid Fund","page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-7"},{"clause":"Row 8","heading":"Debt Plus Fund","page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-8"},{"clause":"Row 9","heading":"Long Term Debt Solution Fund","page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-9"},{"clause":"Row 10","heading":"Nifty Alpha 50 Index Fund####","page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-10"},{"clause":"Row 11","heading":"Nifty 200 Alpha 30 Index Fund####","page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-11"},{"clause":"Row 12","heading":"Focused 25 Fund","page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-12"},{"clause":"Row 13","heading":"Pure Stock Fund II","page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-13"},{"clause":"Row 14","heading":"Flexi Cap Fund","page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-14"},{"clause":"Row 15","heading":"Sustainable Equity Fund","page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-15"},{"clause":"Row 16","heading":"SmallCap Fund","page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-16"},{"clause":"Row 17","heading":"Dynamic Asset Allocation Fund","page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-17"},{"clause":"Row 18","heading":"Individual Short Term Debt Fund","page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-18"},{"clause":"Row 19","heading":"Midcap Index Fund####","page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-19"},{"clause":"Row 20","heading":"SmallCap Quality Index Fund####","page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-20"},{"clause":"Row 21","heading":"Nifty 200 Momentum 30 Index Fund####","page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-21"},{"clause":"Row 22","heading":"Nifty 500 Multicap Momentum Quality 50 Index Fund####","page":18,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-22"},{"clause":"Row 23","heading":"Nifty 500 Multifactor 50 Index Fund####","page":18,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-23"},{"clause":"Row 24","heading":"^BSE 500 Enhanced Value 50 Index Fund####","page":18,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-24"},{"clause":"Row 25","heading":"^BSE 500 Dividend Leaders 50 Index Fund####","page":18,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-25"},{"clause":"Row 26","heading":"India Consumption Fund","page":18,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-26"},{"clause":"Row 27","heading":"Pure Stock In-novation Fund","page":18,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-27"},{"clause":"Row 28","heading":"^BSE 500 Quality 50 Index Fund####","page":18,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-28"},{"clause":"Row 29","heading":"Opportunities Fund","page":18,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-29"},{"clause":"Row 30","heading":"Nifty 500 Low Volatility 50 Index Fund####","page":18,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-30"},{"clause":"Row 31","heading":"Nifty 200 Value 30 Index Fund####","page":19,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-31"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"The premium allocation rate is applied to single premium and top up premium, and the balance is taken as the premium allocation charge. For single premium, allocation rates shown are 97.00% to 99.50% for non-direct/non-staff channels, 98.00% to 100% for direct marketing, and 99.00% to 100% for staff; top-up premium allocation rates shown are 98.00% to 99.50%, 99.00% to 99.70%, and 99.50% to 99.90% respectively.","display":"Balance after the premium allocation rate; single premium allocation ranges from 97.00% to 100% depending on premium band and channel/staff status","note":"Allocation rates vary by premium amount and by whether the policy is sold through channels other than direct marketing, through direct marketing, or to staff.","quote":"Premium Payment due in Policy Year | 5,000 – 49,999 | 50,000 – 99,999 | 100,000 – 499,999 | 500,000 – 999,999 | 1,000,000 & above\nSingle Premium | Not Applicable | 97.00% | 97.50% | 98.00% | 99.50%\nTop Up Premium | 98.00% | 99.50% ... Single Premium | Not Applicable | 98.00% | 98.50% | 99.00% | 100%\nTop Up Premium | 99.00% | 99.70% ... Single Premium | Not Applicable | 99.00% | 99.50% | 100% | 100%\nTop Up Premium | 99.50% | 99.90% ... The Premium Allocation Rate is mentioned in the Schedule. The balance is taken as the Premium Allocation Charge.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-s1"},{"clause":"Row 31(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-31-b-4"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"The policy administration charge is deducted monthly from the first policy year to the end of the policy term and is Rs. 10 per month, inflating at 5% p.a., subject to a maximum of Rs 500 per month in any year.","display":"Rs. 10 per month, inflating at 5% p.a., capped at Rs 500 per month","note":null,"quote":"The Policy Administration Charge, deductible monthly from the 1st Policy Year till the end of the Policy Term will be Rs. 10 per month inflating at 5% p.a subject to maximum of Rs 500 per month in any year.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-s1"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"The mortality charge is deducted by redemption of units at the prevailing price on the date of commencement of risk and on each subsequent monthly due date. The rate depends on attained age and gender, and the mortality charge per thousand sum at risk is given in Annexure 3.","display":"Deducted monthly by redemption of units; rate varies by attained age and gender per thousand Sum at Risk","note":"Annexure I prints annual mortality charge rates per 000 sum at risk for male lives from age 1 to 75 and states a 3 years’ age setback for female lives, except attained ages 1, 2 and 3.","quote":"The Mortality Charge will be deducted at the rate as applicable to the attained Age and gender of the Life Assured, on the Date of Commencement of Risk by redemption of Units at the prevailing price and on each subsequent Monthly Due Dates. The Mortality charge may vary from Policy Year to Policy Year (and during the period of settlement option, if applicable) according to the attained Age of the Life Assured at the time of deduction of the same. ... The Mortality Charge per thousand Sum at Risk is given in Annexure 3. ... Sum at Risk means higher of [Death Benefit less Fund Value] or zero where Death Benefit is as defined in Section 5a) above. The Mortality charge is applied on the Sum at Risk under the Policy.","sources":[{"clause":"Row 31(a)(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-31-a-i"},{"clause":"Row 31(a)(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-31-a-ii"},{"clause":"Row 31(a)(iii)","heading":"Sum at Risk","page":20,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-31-a-iii"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"Discontinuance charge applies to Single Premium Fund Value only on discontinuance and no discontinuance charge applies on top up premium units. For single premium up to Rs. 3,00,000 / above Rs. 3,00,000 respectively: year 1 lower of 2% of SP or FV capped at Rs.3000 / lower of 1% capped at Rs.6000; year 2 lower of 1.5% capped at Rs. 2000 / lower of 0.70% capped at Rs. 5000; year 3 lower of 1% capped at Rs.1500 / lower of 0.50% capped at Rs. 4000; year 4 lower of 0.5% capped at Rs. 1000 / lower of 0.35% capped at Rs. 2000; 5 and onwards Nil.","display":"Years 1 to 4: capped lower-of percentage charges by premium band; 5 and onwards Nil","note":null,"quote":"Where the Policy is discontinued during the Policy Year | Maximum Discontinuance Charges for the policies having Single Premium up to Rs. 3,00,000/- | Maximum Discontinuance Charges for the policies having Single Premium above Rs. 3,00,000/- ... 1 | Lower of 2% *(SP or FV) subject to a maximum of Rs.3000/- | Lower of 1% *(SP or FV) subject to a maximum of Rs.6000/- ... 2 | Lower of 1.5% *(SP or FV) subject to a maximum of Rs. 2000/- | Lower of 0.70% *(SP or FV) subject to a maximum of Rs. 5000/- ... 3 | Lower of 1% *(SP or FV) subject to a maximum of Rs.1500/- | Lower of 0.50%* (SP or FV) subject to a maximum of Rs. 4000/- ... 4 | Lower of 0.5% *(SP or FV) subject to a maximum of Rs. 1000/- | Lower of 0.35% *(SP or FV) subject to a maximum of Rs. 2000/- ... 5 and onwards | Nil | Nil\nThe Premium Allocation Rate is mentioned in the Schedule. The balance is taken as the Premium Allocation Charge.\ne) Switching Charge The Policy offers unlimited free switches.\nf) Miscellaneous Charge The miscellaneous charge will be of Rs.100/- per applicable as mentioned in Section 12 above.\ng) Discontinuance Charge The Discontinuance Charge, as per table below, shall be applicable to the Single Premium Fund Value only, on the Date of Discontinuance of the Policy. SP – Single Premium & FV – Single Premium Fund Value No Discontinuance Charge will be applied on Units in respect of Top Up Premium.","sources":[{"clause":"Row 31(b)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-31-b-3"},{"clause":"Row 1","heading":"Lower of 2% *(SP or FV) subject to a maximum of Rs.3000/-","page":21,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-1-2"},{"clause":"Row 2","heading":"Lower of 1.5% *(SP or FV) subject to a maximum of Rs. 2000/-","page":21,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-2-2"},{"clause":"Row 3","heading":"Lower of 1% *(SP or FV) subject to a maximum of Rs.1500/-","page":21,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-3-2"},{"clause":"Row 4","heading":"Lower of 0.5% *(SP or FV) subject to a maximum of Rs. 1000/-","page":21,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-4-2"},{"clause":"Row 31(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-row-31-b-4"}],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"The policyholder can switch units between funds by written notice, and unlimited free switches are allowed. Non-systematic partial withdrawals are available any time after the lock-in period, with minimum Rs. 5,000, maximum 25% of Single Premium Fund Value, and no charge; systematic partial withdrawal can be chosen any time during the policy term if the policy term is 15 years or more, with 1% to 12% p.a. after the end of the 5th year.","display":"Unlimited free switches; partial withdrawals after lock-in, minimum Rs. 5,000 and maximum 25%; SPW after 5th year for policy term 15 years or more","note":"For top-up premiums, each top-up has its own five year lock-in for withdrawal purposes; minor life policies allow partial withdrawal and SPW only after attaining age 18 years.","quote":"The Policyholder can switch Units from one Fund to another (except from/to the Discontinued Life Policy Fund), by giving written notice to the Company. ... The minimum switching amount is Rs. 5,000 or the value of Units held by the Policyholder in the Fund to be switched from, whichever is lower. ... The Policyholder can exercise unlimited free switches ... Any time after the Lock-in Period, the Policyholder will have the option to partially withdraw Units from his/her Fund/s subject to following conditions: ... The minimum amount of Partial Withdrawal at any one time is Rs. 5,000/-. ... The maximum amount of Partial Withdrawal at any one time is 25% of the Single Premium Fund Value, as on the withdrawal request date. ... No Charges would be levied for partial withdrawal. ... The Policyholder will have the option to choose SPW any time during the Policy Term, provided, the Policy Term is 15 years or more. ... As per the Policyholder’s choice, at any time after end of 5th year, a percentage of Fund Value between 1% to 12% p.a., can be taken as SPW.","sources":[{"clause":"12(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-12-a"},{"clause":"12(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-12-b"},{"clause":"12(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012#c-12-c"}],"law":[]}],"documents":[{"kind":"wording","label":"Bajaj Allianz Life Fortune Gain II Policy Documents","pages":19,"fetched_at":"2026-10-17 19:41:51+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/withdrawn-pol-doc/Fortune-Gain-policy-doc-116L196V01.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/3942"},{"kind":"wording","label":"Bajaj Life Fortune Gain II Policy Documents","pages":33,"fetched_at":"2026-10-17 19:42:35+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/withdrawn-pol-doc/Fortune-Gain-policy-doc-116L196V03.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/3985"},{"kind":"wording","label":"Bajaj Life Fortune Gain II Policy Documents","pages":34,"fetched_at":"2026-10-17 19:43:05+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/withdrawn-pol-doc/Fortune-Gain-policy-doc-116L196V04.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4012"},{"kind":"wording","label":"Policy Document","pages":32,"fetched_at":"2026-10-17 19:43:23+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/ulip/Fortune-Gain-policy-doc.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/4030"},{"kind":"cis","label":"Prospectus / Brochure","pages":4,"fetched_at":"2026-10-17 19:32:57+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/ulip/Fortune-Gain-cis.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/3433"},{"kind":"brochure","label":"Customer Information Sheet","pages":18,"fetched_at":"2026-10-17 19:33:00+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/ulip/Fortune-Gain-Brochure.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04/document/3439"}],"versions":[{"uin":"116L196V01","version":null,"approved_on":null},{"uin":"116L196V05","version":null,"approved_on":null},{"uin":"116L196V03","version":null,"approved_on":null},{"uin":"116L196V04","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj Life Insurance official website","url":"https://www.bajajlifeinsurance.com/","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 assistance","url":"https://www.bajajlifeinsurance.com/life-insurance-claim-assistance.html","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 mechanism","url":"https://www.bajajlifeinsurance.com/grievance-redressal-mechanism.html","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":"Renewal payment","url":"https://www.bajajlifeinsurance.com/renewal-payment.html","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":"Bajaj Life Fortune Gain II (UIN 116L196V04), IndiaInsurances, https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-fortune-gain-ii-116l196v04"}