{"uin":"116N198V09","name":"Bajaj Life eTouch II","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09","insurer":{"slug":"bajaj-life-insurance","name":"Bajaj Life Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-life-insurance"},"line":"life","category":"term-life","category_name":"Term life","irdai_type":"Product","kind":"product","status":"active","approved_on":"2024-10-01","withdrawn_on":null,"summary":"Bajaj Life eTouch II is a non-linked non-participating individual life insurance term plan with Life Shield, Life Shield Plus and Life Shield with Return of Premium variants. The death benefit is the Sum Assured after deducting any Terminal Illness Sum Assured already paid, and maturity benefit is available only under the Life Sheild with Return of Premium variant.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:15:52.062664+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":["Life Shield","Life Shield Plus","Life Shield with Return of Premium"],"display":"Life Shield; Life Shield Plus; Life Shield with Return of Premium","note":null,"quote":"There are three variants in this product, which are Life Shield, Life Shield Plus and Life Shield with Return of Premium.","sources":[{"clause":"20","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20"}],"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 wording points to the blank policy schedule for the policy term but does not state product term options.","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 Accidental Total Permanent Disability, claim intimation should be received in writing within 60 days of occurrence of the accident causing total disability. No death or terminal illness claim intimation deadline is stated.","display":"ATPD: within 60 days of the accident causing total disability","note":"The 60-day deadline is stated for Accidental Total Permanent Disability; the death and terminal illness claim section requires intimation with documents but gives no deadline.","quote":"Claim intimation should be received in writing within 60 days of occurrence of the Accident, which is causing total disability of the rider life assured.","sources":[{"clause":"20(e)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-e"}],"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 of Intimation of Death or TI","Original Death Certificate","Medical cause of death certificate","If death is due to unnatural causes, copy of FIR (First Information Report) and PMR (Post-Mortem Report);","Any other documents that may be requested on intimation of death of the Life Assured for investigations or otherwise by the Company."],"display":"Written notice of death or TI, original death certificate, medical cause of death certificate, FIR and PMR for unnatural death, and any other documents requested","note":null,"quote":"Death Benefits are only payable if an intimation, has been received by us along with ... Written Notice of Intimation of Death or TI ... Original Death Certificate ... Medical cause of death certificate ... If death is due to unnatural causes, copy of FIR (First Information Report) and PMR (Post-Mortem Report); ... Any other documents that may be requested on intimation of death of the Life Assured for investigations or otherwise by the Company.","sources":[{"clause":"20(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-c-2"},{"clause":"20(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-a-4"},{"clause":"20(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-b-4"},{"clause":"20(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-c-3"},{"clause":"20(d)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-d-2"},{"clause":"20(e)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-e-2"}],"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":null,"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 of the Life Assured is due to suicide within 12 months from the Date of Commencement of the Policy Risk, or 12 months from the date the Policy has been Revived","Death or disability occurs as a result of the Life Insurance committing any breach of law with criminal intent.","Death or disability as a consequence of the Life Assured being under the influence of alcohol or drugs other than in accordance with the directions of a registered medical practitioner;","Death or disability as a result of self-inflicted injuries.","Death or disability occurs as a result of the Life Assured taking part in any naval, military or air force operation during peace time.","Death or disability occurs as a result of the Life Assured participating in or training for any dangerous or hazardous sport or competition or riding or driving in any form of race or competition.","Death or disability occurs as a result of aviation, gliding or any form of aerial flight other than as a fare paying passenger of a recognized airline on regular routes and on a scheduled timetable","Death or disability occurs as a result of war, invasion, civil war, rebellion, riots.","Death or disability due to failure to follow medical advice","Death or disability due to Nuclear Contamination; the radio-active, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature","Disability of Life Assured as a result of poison, gas or fume (voluntary or involuntarily, accidentally or otherwise taken, administered, absorbed or inhaled)"],"display":"Suicide within 12 months; criminal breach of law; alcohol or drugs; self-inflicted injuries; naval, military or air force operation; hazardous sport or race; aviation other than fare-paying passenger; war and riots; failure to follow medical advice; nuclear contamination; poison, gas or fume","note":"Most listed exclusions apply to Accidental Death Benefit and Accidental Permanent Total Disability; the suicide exclusion applies to the base death benefit.","quote":"In case the death of the Life Assured is due to suicide within 12 months from the Date of Commencement of the Policy Risk, or 12 months from the date the Policy has been Revived ... Death or disability occurs as a result of the Life Insurance committing any breach of law with criminal intent. ... Death or disability as a consequence of the Life Assured being under the influence of alcohol or drugs other than in accordance with the directions of a registered medical practitioner; ... Death or disability as a result of self-inflicted injuries. ... Death or disability occurs as a result of the Life Assured taking part in any naval, military or air force operation during peace time. ... Death or disability occurs as a result of the Life Assured participating in or training for any dangerous or hazardous sport or competition or riding or driving in any form of race or competition. ... Death or disability occurs as a result of aviation, gliding or any form of aerial flight other than as a fare paying passenger of a recognized airline on regular routes and on a scheduled timetable ... Death or disability occurs as a result of war, invasion, civil war, rebellion, riots. ... Death or disability due to failure to follow medical advice ... Death or disability due to Nuclear Contamination; the radio-active, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature ... Disability of Life Assured as a result of poison, gas or fume (voluntary or involuntarily, accidentally or otherwise taken, administered, absorbed or inhaled)","sources":[{"clause":"20(III)(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-iii-a-2"},{"clause":"20(III)(b)(i)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-iii-b-i"},{"clause":"20(III)(b)(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-iii-b-ii"},{"clause":"20(III)(b)(iii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-iii-b-iii"},{"clause":"20(III)(b)(iv)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-iii-b-iv"},{"clause":"20(III)(b)(v)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-iii-b-v"},{"clause":"20(III)(b)(vi)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-iii-b-vi"},{"clause":"20(III)(b)(vii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-iii-b-vii"},{"clause":"20(III)(b)(viii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-iii-b-viii"},{"clause":"20(III)(b)(ix)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-iii-b-ix"},{"clause":"20(III)(b)(x)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-iii-b-x"}],"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 Center at Branch Office of the Company, 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.","display":"Grievance Officer at nearest Customer Care Center first; then Grievance Redressal Officer after 14 days or unsatisfactory response","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: ... 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: Grievance Redressal Officer","sources":[{"clause":"Part G","heading":null,"page":13,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-part-g"}],"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 contains a blank schedule field for Sum Assured but does not state minimum or maximum base life cover.","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":"The nominee is paid the Sum Assured after deducting any Terminal Illness Sum Assured already paid when the Life Assured dies. Death Benefit is available under all variants.","display":"Sum Assured, less any Terminal Illness Sum Assured already paid, payable to the nominee","note":null,"quote":"Sum Assured (after deducting any Terminal Illness Sum Assured, if already paid) will be paid to the nominee when the Life Assured under the Policy loses their life. Death Benefit is available under all variants.","sources":[{"clause":"20(a)","heading":"Death Benefit","page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-a"}],"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":"Maturity Benefit is available only under the Life Sheild with Return of Premium variant. It is the return of premiums paid under the policy, excluding taxes, extra or additional premium, and additional premium for optional benefits.","display":"Only Life Sheild with Return of Premium: return of premiums paid, excluding taxes and extra or additional premiums","note":"No maturity benefit is stated for the Life Shield and Life Shield Plus variants.","quote":"Maturity Benefit, being the Return of Premium paid is payable on Maturity of the Policy where the total amount of premiums paid under the Policy, shall be returned. This will exclude any taxes, extra or additional premium that would have been applied as per the company’s board approved underwriting policy and any additional premium applied optional benefits that may be availed by the Policyholder. This benefit is only available under the Life Sheild with Return of Premium variant.","sources":[{"clause":"20(f)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-f"}],"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 wording says premiums are payable for a period detailed in the Policy Schedule, but the schedule in the wording is blank.","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":null,"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 commencement of policy risk or within 12 months from revival, 80% of total premiums paid till death or the termination value/surrender value, whichever is higher, is payable; the Death Benefit is not payable.","display":"Within 12 months: higher of 80% of total premiums paid or termination value/surrender value; no Death Benefit","note":null,"quote":"In case the death of the Life Assured is due to suicide within 12 months from the Date of Commencement of the Policy Risk, or 12 months from the date the Policy has been Revived, then either 80% of the total premiums paid till such date of death or Termination value/ Surrender Value, whichever is higher would be payable and Death Benefit would not be payable in such cases.","sources":[{"clause":"20(III)(a)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-iii-a-2"}],"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":"Under the Life Sheild with Return of Premium variant, after completing the first Policy Year and if at least one full Policy Year's premium has been paid, the policy may be surrendered. Any surrender value payable is the higher of Guaranteed Surrender Value or Special Surrender Value and shall not exceed 100% of all premiums paid till surrender.","display":"Life Sheild with Return of Premium: after first Policy Year and one full Policy Year's premium; higher of GSV or SSV, capped at 100% of premiums paid","note":"The surrender clause is stated under Life Sheild with Return of Premium. Life Shield and Life Sheild Plus have separate Termination Value and Early Exit Value provisions.","quote":"Under Life Sheild with Return of Premium variant ... Surrender During any time of the Policy term after completing the first Policy Year, and if at least one full Policy Year’s premium has been paid, if you wish to close this Policy, you may surrender it. If there is any surrender value payable, it would be higher of Guaranteed Surrender Value or Special Surrender Value. Surrender Value shall not exceed 100% of all the premiums paid till the date of the surrender.","sources":[{"clause":"20(III)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-iii"},{"clause":"20(III)(b)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-iii-b"}],"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":"For Life Shield with Return of Premium, if at least one Policy Year's full premium has been paid, after the first Policy Year the policy does not lapse for non-payment of future premium and is converted to a paid-up policy. Benefits reduce in proportion to premiums paid against all premiums due, and Waiver of Premium benefit is not available to paid-up policies.","display":"ROP variant: after one full Policy Year's premium, converts to paid-up; benefits reduce in proportion to premiums paid versus all premiums due","note":"For Life Sheild and Life Sheild Plus, the wording says the policy lapses and no benefits are payable if premium due is not paid.","quote":"Under Life Shield with Return of Premium variant: ... if at least one Policy Year’s full premium has been paid, then after completion of the first Policy Year, the Policy would have acquired surrender value. In this case, the Policy would not Lapse for non-payment of future premium and would be converted to a paid-up policy. Paid-up policies have a reduction in benefit in proportion to the premiums paid against all the premiums due. Waiver of Premium benefit will not be available to paid-up policies.","sources":[{"clause":"20(f)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-f"},{"clause":"20(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-b-2"}],"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 policy may be revived within 5 years from the date of non-payment of premium by paying arrears with interest and applicable taxes; medical examinations may be required at the policyholder's expense. Revival may be on same terms, different premium amounts, or refused.","display":"Within 5 years from non-payment, with arrears, interest and possible medical examination","note":null,"quote":"A Lapsed Policy may be revived within 5 years from the date of non-payment of premium. Revival will require paying the arrears of premiums due under the Policy along with interest on each premium at the rate equivalent of 10 year G-Sec rate plus 2%, rounded up to the higher interest rate (along with applicable Taxes). The current applicable revival interest rate is 9% p.a. compounded half- yearly. It may also require undergoing Medical Examinations, at the Policyholder’s expense.","sources":[{"clause":"20(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-b-2"}],"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":"Loan cannot be opted for under Life Shield and Life Shield Plus. Loan can be availed under Life Sheild with Return of Premium and shall not be more than 50% of the Surrender Value; interest is 9% per annum compounded half-yearly and may be revised.","display":"Life Shield/Life Shield Plus: no loan; Life Sheild with Return of Premium: up to 50% of Surrender Value","note":null,"quote":"Loan cannot be opted for under the Life Shield and Life Shield Plus variants. Loan can be availed under the Life Sheild with Return of Premium variant. The Loan shall not be more than 50% of the Surrender Value that may be accrued under the Policy. Interest will be charged at 9% per annum compounded half-yearly, which rate may be revised during the loan tenure by the Company from time to time.","sources":[{"clause":"20(e)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-e-2"}],"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 Family Protect Rider","Bajaj Life New Critical Illness Benefit Rider","Bajaj Life Care Plus Rider Non-Linked","Bajaj Life Accidental Death Benefit Rider II","Bajaj Life Accidental Per-manent Total/Partial Disability Benefit Rider II"],"display":"Bajaj Life Family Protect Rider; Bajaj Life New Critical Illness Benefit Rider; Bajaj Life Care Plus Rider Non-Linked; Bajaj Life Accidental Death Benefit Rider II; Bajaj Life Accidental Per-manent Total/Partial Disability Benefit Rider II","note":"The rider list appears in the schedule; some UIN text is truncated in the wording extract.","quote":"Additional Benefit Rider ... Bajaj Life Family Protect Rider Bajaj Life New Critical Illness Benefit Rider (UIN:\nBajaj Life Care Plus Rider Non-Linked (UIN:116B062V01) Bajaj Life Accidental Death Benefit Rider II (UIN: 116B0 Bajaj Life Accidental Per-manent Total/Partial Disability Benefit Rider II (UIN:","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#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, risk commencement date, latest revival, or rider commencement, whichever is later. Within three years it may be questioned for fraud or for material misstatement/suppression, with written communication of grounds and materials; for non-fraud misstatement, premiums collected are paid within 90 days from repudiation.","display":"After 3 years, not questioned on any ground; within 3 years for fraud or material misstatement with written grounds","note":null,"quote":"No Policy of life insurance shall be called in question on any ground whatsoever after expiry of 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":21,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-1-5"},{"clause":"2","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-2-5"},{"clause":"6","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-6-5"},{"clause":"7","heading":null,"page":21,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-7-5"}],"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 company does not warrant or assure that buying the policy makes the policyholder eligible for any income tax or other tax rebate or relief.","display":"Tax laws are subject to change; no warranty of income tax or other tax rebate or relief","note":null,"quote":"Tax laws are subject to change. All taxes, including GST & cess, either existing or those that may apply in future (including enhancements of existing taxes) will be charged extra over and above the Regular Premium amount. 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-etouch-ii-116n198v09/document/4015#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":"Applies except if tenure of the Policy is less than a year.","quote":"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":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-s1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for all other premium payment frequencies","note":"15-days would be offered where the premium payment frequency is monthly.","quote":"15-days would be offered where the premium payment frequency is monthly, and 30- days would be offered for all other premium payment frequencies;","sources":[{"clause":"5","heading":"“Grace Period”","page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-5"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The schedule contains blank age-at-entry fields but the wording does not state the youngest or oldest entry ages.","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":["monthly","quarterly","bi-annual","annual"],"display":"monthly, quarterly, bi-annual, or annual","note":"Bi-Annual, Quarterly and Monthly payment frequencies are only allowed if auto-debit is activated.","quote":"Options of Premium payment frequencies are monthly, quarterly, bi-annual, or annual. It should be noted, however, that bi-Annual, Quarterly and Monthly payment frequencies are only allowed if auto-debit is activated for payment.","sources":[{"clause":"20(I)(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-i-c"}],"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","limited premium"],"display":"Regular premium, including premium paying term same as the policy term or completed before maturity","note":"Single premium is not stated.","quote":"Your policy requires Regular Premiums to be paid for ___________________________ years. ... If the Policy has its premium paying term the same as the Policy term then, this option will not be available. However, if the premium paying term of the Policy is complete and all the premiums due under the Policy has been received, and the policy has not Matured, the Policy can be terminated and Termination Value will be payable.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-s1"},{"clause":"20(II)(a)","heading":"Termination Value","page":11,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015#c-20-ii-a"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Bajaj Allianz Life eTouch II Policy Documents","pages":17,"fetched_at":"2026-10-17 19:41:40+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/withdrawn-pol-doc/etouch-ii-policy-document-116N198V01.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/3929"},{"kind":"wording","label":"Bajaj Life eTouch II Policy Documents","pages":21,"fetched_at":"2026-10-17 19:42:38+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/withdrawn-pol-doc/etouch-policy-document-116N198V06.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/3986"},{"kind":"wording","label":"Bajaj Life eTouch II Policy Documents","pages":21,"fetched_at":"2026-10-17 19:43:00+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/withdrawn-pol-doc/etouch-policy-document-116N198V07.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4005"},{"kind":"wording","label":"Bajaj Life eTouch II Policy Documents","pages":21,"fetched_at":"2026-10-17 19:43:04+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/withdrawn-pol-doc/etouch-policy-document-116N198V08.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4010"},{"kind":"wording","label":"Bajaj Life eTouch II Policy Documents","pages":21,"fetched_at":"2026-10-17 19:43:08+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/withdrawn-pol-doc/etouch-policy-document-116N198V09.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4015"},{"kind":"wording","label":"Policy Document","pages":19,"fetched_at":"2026-10-17 19:43:09+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/term-insurance/etouch-policy-document.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/4016"},{"kind":"cis","label":"Customer Information Sheet","pages":5,"fetched_at":"2026-10-17 19:31:55+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/term-insurance/etouchii-cis.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/3381"},{"kind":"brochure","label":"Prospectus / Brochure","pages":22,"fetched_at":"2026-10-17 19:31:54+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/term-insurance/etouch-plan-sl.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09/document/3388"}],"versions":[{"uin":"116N198V01","version":null,"approved_on":null},{"uin":"116N198V10","version":null,"approved_on":null},{"uin":"116N198V06","version":null,"approved_on":null},{"uin":"116N198V07","version":null,"approved_on":null},{"uin":"116N198V08","version":null,"approved_on":null},{"uin":"116N198V09","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 eTouch II (UIN 116N198V09), IndiaInsurances, https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-etouch-ii-116n198v09"}