{"uin":"116N188V08","name":"Bajaj Life Assured Wealth Goal Platinum","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08","insurer":{"slug":"bajaj-life-insurance","name":"Bajaj Life Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":"Product","kind":"product","status":"active","approved_on":"2024-03-01","withdrawn_on":null,"summary":"This is a non-linked, non-participating, regular-premium individual life insurance savings plan with Smart Income and Regular Income product options. Death benefit is available during the policy term, and maturity benefits are paid as RGPs with Enhanced ROP where applicable during the income period.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:16:50.319268+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":["Product Option 1 – Smart Income","Product Option 2 – Regular Income"],"display":"Product Option 1 – Smart Income; Product Option 2 – Regular Income","note":null,"quote":"i) Product Option 1 – Smart Income,\nii) Product Option 2 – Regular Income.","sources":[{"clause":"2","heading":"Policy Description","page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-2"}],"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 term is to be specified in the Schedule, but the provided wording does not print any fixed term or range.","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":"For death claims, written notice must be given as soon as possible and preferably within 180 days of death, for both natural and unnatural causes.","display":"As soon as possible, preferably within 180 days of death","note":"The wording states this same deadline under both unnatural-cause and natural-cause death claims.","quote":"Written notice as soon as possible and in any event preferably within 180 days of the death of the Life Assured, and the circumstances resulting to the death of the Life Assured.","sources":[{"clause":"22","heading":"Payment of Claim","page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-22"}],"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":["The Claimant’s proof of entitlement to receive payment under the Policy","Original Policy Document","Original death certificate of the Life Assured issued by a competent authority","Claimant statement /claim intimation letter","Bank account proof of Nominee","Medical cause of death certificate from the doctor who last attended to the Life Assured, or from the hospital in which the death occurred","A copy of First Information Report (FIR) and Post Mortem Report (PMR)","Notarized Indemnity bond from the Claimant for waiver of title if there is no nomination or in case of Nominee’s death","NOC by all class one legal heirs if there is no nomination or in case of Nominee’s death","Any other document as asked for by the Company depending on the facts and circumstances of each case"],"display":"Proof of entitlement, original policy, death certificate, claim statement/intimation, bank proof, medical cause of death certificate, FIR/PMR for unnatural or accident death, indemnity/NOC where needed, and any other documents asked for","note":"FIR and Post Mortem Report are listed for deaths due to unnatural causes; PMR is mandatory for accidental death benefit claims.","quote":"ii) The Claimant’s proof of entitlement to receive payment under the Policy.\niii) Original Policy Document.\niv) Original death certificate of the Life Assured issued by a competent authority.\nv) Claimant statement /claim intimation letter\nvi) Bank account proof of Nominee\nvii) Medical cause of death certificate from the doctor who last attended to the Life Assured, or from the hospital in which the death occurred.\nviii) A copy of First Information Report (FIR) and Post Mortem Report (PMR). Post Mortem Report is mandatory for claiming the Death Benefit due to an Accident under the Policy.\nix) Notarized Indemnity bond from the Claimant for waiver of title if there is no nomination or in case of Nominee’s death.\nx) NOC by all class one legal heirs if there is no nomination or in case of Nominee’s death ... vii) Any other document as asked for by the Company depending on the facts and circumstances of each case.","sources":[{"clause":"22","heading":"Payment of Claim","page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-22"}],"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 wording lists intimation and claim documents but does not state a timeline for deciding or paying claims.","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 twelve (12) months from the Date of Commencement of Risk or the date of latest revival","There are no other exclusions applicable with respect to death other than the suicide clause"],"display":"Suicide within 12 months is restricted; no other death exclusions","note":null,"quote":"In case of death of Life Assured due to suicide within twelve (12) months from the Date of Commencement of Risk or the date of latest revival of the Policy, whichever is later, then, the Claimant shall be entitled to receive the higher of 80% of the Total Premiums paid till the date of death of the Life Assured or the Surrender Value, available as on the date of death, provided the Policy is in-force plus AGP (if applicable); and the Policy will be terminated. There are no other exclusions applicable with respect to death other than the suicide clause.","sources":[{"clause":"12","heading":"Suicide Exclusion","page":14,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-12"}],"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 of any nearest Customer Care Centre at a branch office or the Customer Care Desk by post, phone or email. If not satisfied or no response is received within 14 days, contact the Grievance Redressal Officer before approaching IRDAI or the Ombudsman route.","display":"Grievance Officer/Customer Care first; then Grievance Redressal Officer if unresolved within 14 days","note":null,"quote":"In case you have any query or compliant/ grievance, you may contact the Grievance Officer of any nearest Customer Care Centre at Branch Office of the Company during the Company’s office hours (excluding public holidays) from Monday to Saturday : 9 am to 7 pm. Alternatively, you may communicate with the Company: ... 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 Insurance House, Airport Road Yerawada, Pune, District – Pune, Maharashtra\n-411006 Customer Care Number: 020-6712 1212 | Email ID: gro@bajajlife.com","sources":[{"clause":"25","heading":"Grievance Redressal","page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-25"}],"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 wording points to the Schedule for the Sum Assured and Sum Assured on Death, but no minimum, maximum or formula is printed in the provided document.","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":"Under Smart Income, death during the policy term pays Sum Assured on Death plus AGP, if any; death after the policy term during the income period continues maturity benefits. Under Regular Income, death during the policy term pays Sum Assured on Death; death after the policy term during the income period continues maturity benefits.","display":"Smart Income: Sum Assured on Death plus AGP, if any; Regular Income: Sum Assured on Death; after policy term, maturity benefits continue","note":"For both options, the policy also says the death benefit will not be less than the Guaranteed Death Benefit or Surrender Value, whichever is higher.","quote":"1 - Smart Income | Death Benefit | If the Policy is in-force as on the date of death and all due Regular Premiums are paid up to date, and provided the Policy has not been terminated as per Section 16 below, i) Death During Policy Term: (1) The Death Benefit payable is the Sum Assured on Death plus AGP, if any ... ii) Death after Policy Term (during the Income Period): Maturity Benefits will continue to be paid. ... 2 – Regular Income | Death Benefit | If the Policy is in-force as on the date of death and all due Regular Premiums are paid up to date, and provided the Policy has not been terminated as per Section 16 below, i) Death During Policy Term: ii) The Death Benefit payable is the Sum Assured on Death ... vi) Death after Policy Term (during the Income Period): The Maturity Benefits will continue to be paid.","sources":[{"clause":"4(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-4-a-2"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"Under Smart Income, if premiums are paid to maturity, maturity benefit is the series of RGPs and Enhanced ROP plus AGP, if any; RGPs are payable in advance during the income period and Enhanced ROP is paid at the end. Under Regular Income, maturity benefit is the series of RGPs and Enhanced ROP if applicable.","display":"Series of RGPs during the Income Period plus Enhanced ROP where applicable; Smart Income also adds AGP, if any","note":"Both options allow taking RGPs and Enhanced ROP as a lump sum at maturity at a discount rate of 9% p.a.; Smart Income has no risk cover during the income period, and Regular Income also states no risk cover during the income period.","quote":"Maturity Benefit | If all due Regular Premiums are paid up to the Maturity Date, provided the Policy has not terminated as per Section 16 below, the Maturity Benefit shall be the series of RGPs and Enhanced ROP plus AGP, if any. ... The Enhanced ROP will be paid at the end of the Income Period. v) AGP, if any, will be paid at the end of the Policy Term. ... Maturity Benefit | If all due Regular Premiums are paid up to the Maturity Date, provided the Policy has not terminated as per Section 16 below, the Maturity Benefit shall be series of RGPs and Enhanced ROP (if applicable).","sources":[{"clause":"4(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-4-a-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The Premium Paying Term is stated as being specified in the Schedule, but the provided wording does not print any fixed term or range.","quote":null,"sources":[],"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":"No maximum maturity age is printed in the provided policy wording.","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 the Life Assured dies by suicide within 12 months from risk commencement or latest revival, whichever is later, the claimant receives 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, plus AGP if applicable; the policy terminates.","display":"Within 12 months: higher of 80% of total premiums paid or surrender value, plus AGP if applicable","note":null,"quote":"In case of death of Life Assured due to suicide within twelve (12) months from the Date of Commencement of Risk or the date of latest revival of the Policy, whichever is later, then, the Claimant shall be entitled to receive the higher of 80% of the Total Premiums paid till the date of death of the Life Assured or the Surrender Value, available as on the date of death, provided the Policy is in-force plus AGP (if applicable); and the Policy will be terminated.","sources":[{"clause":"12","heading":"Suicide Exclusion","page":14,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-12"}],"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 after completion of the first policy year if at least one full year regular premium has been paid. Surrender value is higher of GSV or SSV plus any AGP; GSV is acquired after two full years' regular premiums have been paid, and the policy terminates on surrender.","display":"After 1st policy year with 1 full year premium paid; higher of GSV or SSV plus AGP; GSV after 2 full years","note":null,"quote":"a) The Policyholder will have the option to surrender the Policy after completion of first (1st) Policy Year provided at least one (1) full year Regular Premium has been paid.\nb) The Surrender Value payable will be (i) the higher of the guaranteed surrender value (GSV) or the special surrender value (SSV) plus (ii) any AGP in the policy. ... g) The Policy will acquire a GSV provided two (2) full years’ Regular Premiums have been paid. ... l) The Policy will terminate on the date of surrender.","sources":[{"clause":"8","heading":"Surrender Value","page":11,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-8"}],"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":"If a policy that has acquired surrender value misses future premiums, it does not lapse and automatically converts to a paid-up policy after the grace period. Sum Assured, Sum Assured on Death, EGP, RGP and Enhanced ROP are replaced by their paid-up values.","display":"After surrender value is acquired, non-payment converts the policy to paid-up after grace period","note":"If a regular premium due in the first policy year is not paid, the policy immediately lapses at the expiry of the grace period and only AGP, if any, is payable.","quote":"b) A Policy, which has acquired Surrender Value shall not lapse by reason of the non-payment of future Regular Premiums, the Policy will be, immediately and automatically, converted to a paid-up Policy at the expiry of the Grace Period.\nc) Under a paid-up Policy, Sum Assured, Sum Assured on Death, EGP, RGP and Enhanced ROP will be replaced by the Paid-up Sum Assured, Paid-up Sum Assured on Death, Paid-up EGP, Paid-up RGP and Paid-up Enhanced ROP respectively.","sources":[{"clause":"6","heading":"Non-payment of Premium, Paid-up Benefits","page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-6"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed or paid-up policy may be revived within the Revival Period, which is five consecutive years from the date of first unpaid regular premium, subject to payment of arrears with interest and applicable taxes, satisfactory health and insurability evidence, underwriting terms, and the company's specific communication of revival.","display":"Within 5 consecutive years from first unpaid regular premium","note":"The company may revive or refuse revival based on prevailing Board-approved underwriting guidelines.","quote":"“Revival Period” means the period of five (5) consecutive years from the date of first unpaid Regular Premium, during which the Policyholder is entitled to revive the Policy which was discontinued due to non-payment of Regular Premium. ... A Policy, which has lapsed or has become paid-up for non-payment of Regular Premium [all, as per Section 6) above], may be revived, subject to the following conditions:\na) The application for revival is made within the Revival Period;\nb) The arrears of Regular Premiums together with interest, at such rate as the Company may decide from time to time along with applicable taxes are paid. The current applicable interest rate# on revival of the Policy is 9% p.a. compounded half-yearly;","sources":[{"clause":"1(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-1-ii"},{"clause":"7","heading":"Revival","page":11,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-7"}],"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 loans are available after the policy has acquired surrender value. The maximum loan is 80% of the surrender value less any AGP, and the current loan interest rate is 9% p.a. compounding half-yearly.","display":"Available after surrender value; maximum 80% of surrender value less AGP; current interest 9% p.a. compounded half-yearly","note":"On death or surrender, outstanding policy loan plus interest is deducted from the death benefit or surrender value.","quote":"a) The Policyholder can take loan under the Policy, provided the Policy has acquired Surrender Value. ... b) The maximum amount of loan will be equal to 80% of the {Surrender Value less any AGP, if applicable} available under the Policy. ... c) Loan interest rate# applicable on the loan amount will be as decided by the Company from time-to-time. The current rate of interest for loan is 9% p.a. compounding half-yearly.","sources":[{"clause":"11(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-11-a"},{"clause":"11(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-11-b"},{"clause":"11(c)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-11-c"}],"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 Accidental Death Benefit Rider","Bajaj Accidental Permanent Total/ Partial Disability Rider","Bajaj Life Family Protect Rider","Bajaj Life New Waiver of Premium","Bajaj Life New Critical Illness Benefit Rider"],"display":"Accidental Death Benefit, Accidental Permanent Total/Partial Disability, Family Protect, New Waiver of Premium, and New Critical Illness Benefit riders","note":"The rider benefits and terms apply only if opted and are governed by the rider policy documents.","quote":"Bajaj Accidental Death Benefit Rider / Bajaj Accidental Permanent Total/ Partial Disability Rider / Bajaj Life Family Protect Rider Bajaj Life New Waiver of Premium\nBajaj Life New Critical Illness Benefit Rider(UIN: 116B058V01)","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#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":"The policy cannot be called in question on any ground after three years from the later of policy commencement, risk commencement, latest revival or rider commencement. Within three years it may be questioned for fraud or material misstatement as stated, and for non-fraud misstatement the premiums collected are payable within 90 days from repudiation.","display":"Cannot be questioned after 3 years; within 3 years for fraud or material misstatement; non-fraud repudiation refunds premiums within 90 days","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. ... In case repudiation is on ground of mis-statement and not on fraud, the premium(s) collected on Policy till the date of repudiation shall be paid to the Policyholder or legal representative or Nominee or assignees of Policyholder, within a period of 90 days from the date of repudiation.","sources":[{"clause":"1","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-1-4"},{"clause":"2","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-2-4"},{"clause":"6","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-6-4"},{"clause":"7","heading":null,"page":23,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-7-4"}],"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 company does not warrant or assure that buying the policy makes the policyholder eligible for any income-tax or other tax rebate or relief, and advises the policyholder to seek independent tax opinion.","display":"No warranty or assurance of tax rebate or relief; seek independent tax advice","note":null,"quote":"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. Policyholder is advised to seek independent opinion for income or other tax rebate or relief.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#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":null,"quote":"Policyholder 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.","sources":[{"clause":"5(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-5-a"}],"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; 15 days for monthly Premium Payment Frequency","note":"Monthly premium frequency has a 15-day grace period; other premium frequencies have 30 days.","quote":"“Grace Period” means a period of fifteen (15) days for a monthly Premium Payment Frequency or thirty (30) days for other than monthly Premium Payment Frequency, from the due date of the Regular Premium payment, during which the Policy is considered to be in-force with the risk cover without any interruption, as per the terms and conditions of the Policy.","sources":[{"clause":"1(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-1-i"}],"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":"No minimum or maximum entry age is printed in the provided policy wording.","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":["Quarterly","Monthly"],"display":"Quarterly and Monthly are mentioned; both allowed only under auto-debit","note":"The wording also says the selected Premium Payment Frequency is specified in the Schedule, but the provided Schedule excerpt is blank and does not list yearly or half-yearly modes.","quote":"Quarterly and Monthly Premium Payment Frequencies are allowed only under autodebit process (auto-debit process as allowed by RBI to financial institutions).","sources":[{"clause":"10(d)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-10-d"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Regular Premium payment"],"display":"Regular Premium payment","note":"The document uses the term Regular Premium even where the Premium Paying Term is less than the Policy Term.","quote":"This Policy is a non-linked, non-participating, Regular Premium payment, individual life insurance savings plan.","sources":[{"clause":"2","heading":"Policy Description","page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999#c-2"}],"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":"wording","label":"Bajaj Allianz Life Assured Wealth Goal Platinum Policy Documents","pages":14,"fetched_at":"2026-10-17 19:40:32+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/withdrawn-pol-doc/awg-platinum-policydoc-116N188V02.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3865"},{"kind":"wording","label":"Bajaj Life Assured Wealth Goal Platinum Policy Documents","pages":23,"fetched_at":"2026-10-17 19:42:53+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/withdrawn-pol-doc/awg-platinum-policydoc-116N188V08.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08/document/3999"}],"versions":[{"uin":"116N188V02","version":null,"approved_on":null},{"uin":"116N188V08","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 Assured Wealth Goal Platinum (UIN 116N188V08), IndiaInsurances, https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-assured-wealth-goal-platinum-116n188v08"}