{"uin":"116N216V01","name":"Bajaj Life Secure Plus","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01","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":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Bajaj Life Secure Plus is a non-linked, non-participating pure risk and return of premium individual plan with Shield and Shield with Return of Premium variants. It can cover terminal illness or death, accidental death, accidental total permanent disability and critical illness, with lump sum or instalment payout options.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:36:49.433125+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":["Variant 1 Shield","Variant 2 Shield with Return of Premium"],"display":"Variant 1 Shield; Variant 2 Shield with Return of Premium","note":null,"quote":"For Variant 1 Shield – No maturity benefit is payable under the Policy. For Variant 2 Shield with Return of Premium – All Premiums paid under the Policy","sources":[{"clause":"4(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-4-e"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy term depends on variant, cover and premium type. It ranges from 1 year to 67 years for Shield other than CI, 1 year to 30 years for Shield CI, 10 years to 67 years for Shield with ROP other than CI, and 10 years to 30 years for Shield with ROP CI.","display":"1 to 67 years depending on variant and cover; CI cover maximum 30 years","note":"From the sales brochure.","quote":"Variant 1: Shield(Other than CI) | Single Pay | 1 year | 67 years\nRegular Pay | Equal to PPT\nLimited Pay | PPT+ 1 year | 67 years ... Variant 1: Shield (CI) | Single Pay | 1 year | 30 years\nRegular Pay | Equal to PPT\nLimited Pay | PPT+ 1 year | 30 years ... Variant 2: Shield with ROP (Other than CI) | Single Pay | 10 years | 67 years\nRegular Pay | Equal to PPT\nLimited Pay | PPT+5 years | 67 years ... Variant 2: Shield with ROP (CI) | Single Pay | 10 years | 30 years\nRegular Pay | Equal to PPT\nLimited Pay | PPT+5 years | 30 years","sources":[{"clause":"4(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18647#c-4-c"}],"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":"Terminal illness should be informed within 30 days of diagnosis. Accidental death, accidental total permanent disability and critical illness intimation is preferably or should be within 60 days, with delayed claims considered if there is a valid reason where stated.","display":"TI: within 30 days; ADB/ATPD/CI: within 60 days","note":"From the sales brochure.","quote":"The Company should be informed of the Terminal illness within 30 days of diagnosis of the Terminal Illness. However, claims filed beyond such a period will be considered if there is a valid reason for the delay ... A written intimation must be submitted preferably within 60 days from the date of death due to Accident, along with the base Policy claim papers. ... A written intimation should reach the Company preferably within 60 days of occurrence of the Accidental Total Permanent Disability of the Life Assured. ... The company should be informed of the critical illness within 60 days of diagnosis of the Critical Illness. However, claims filed beyond such a period will be considered if there is a valid reason for the delay.","sources":[{"clause":"4(III)(g)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18647#c-4-iii-g"},{"clause":"4(III)(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18647#c-4-iii-c-2"}],"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","Original Documentation as may be required.","Medical Documents as may be requested by us","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 intimation, original documentation, medical documents and any other documents requested","note":null,"quote":"Benefits are only payable if an intimation, has been received by us along with ... a) Written Notice of Intimation ... b) Original Documentation as may be required. ... c) Medical Documents as may be requested by us ... d) Any other documents that may be requested on intimation of death of the Life Assured for investigations or otherwise by the Company.","sources":[{"clause":"Part F","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-part-f"},{"clause":"Part F(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-part-f-a"},{"clause":"Part F(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-part-f-b"},{"clause":"Part F(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-part-f-c"},{"clause":"Part F(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-part-f-d"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":"The CIS gives links for claims settlement TAT and brief procedure, but the policy text provided does not state a claims decision or payment time.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["If the diagnosis of such Critical Illness was made within 90 days of the start of coverage (i.e. during the waiting period).","If the insured dies within the survival period as per definition from date of the diagnosis of the covered CI.","Death occurs as a result of the Life Assured committing any breach of law with criminal intent.","Death 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 as a result of self-inflicted injuries.","Death occurs as a result of suicide.","Death occurs as a result of the Life Assured taking part in any naval, military or air force operation during peace time.","Death 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 occurs as a result of aviation, gliding or any form of aerial flight other than as a fare paying passenger of a recognised airline on regular routes and on a scheduled timetable.","Death occurs as a result of war, invasion, civil war, rebellion, riots.","Nuclear Contamination: the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature.","Any condition that is pre-existing at the time of inception of the policy.","Failure to follow medical advice."],"display":"CI waiting period and survival period, criminal acts, alcohol or drugs, self-inflicted injury or suicide, military operations, hazardous sports, aviation, war or riots, nuclear contamination, pre-existing ATPD conditions and failure to follow medical advice","note":"Exclusions differ by cover: ADB, ATPD and CI have separate exclusions.","quote":"vi) Death occurs as a result of suicide. ... Death occurs as a result of the Life Assured committing any breach of law with criminal intent. ii) Death 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. iii) Death as a result of self-inflicted injuries. iv) Death occurs as a result of the Life Assured taking part in any naval, military or air force operation during peace time. v) Death 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. ... vii) Death occurs as a result of aviation, gliding or any form of aerial flight other than as a fare paying passenger of a recognised airline on regular routes and on a scheduled timetable. viii) Death occurs as a result of war, invasion, civil war, rebellion, riots. ... Nuclear Contamination: the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature. ... viii) Any condition that is pre-existing at the time of inception of the policy. ... a) If the diagnosis of such Critical Illness was made within 90 days of the start of coverage (i.e. during the waiting period). ... b) If the insured dies within the survival period as per definition from date of the diagnosis of the covered CI. ... l) Failure to follow medical advice.","sources":[{"clause":"4","heading":"Critical Illness (CI): On diagnosis of Critical","page":2,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18636#c-4"},{"clause":"4(viii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18636#c-4-viii"},{"clause":"4(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18636#c-4-a-2"},{"clause":"4(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18636#c-4-b-2"},{"clause":"4(l)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18636#c-4-l"}],"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 the nearest Customer Care Center or Customer Care Desk. If not satisfied with the response, or no response is received within fourteen (14) days, contact the Grievance Redressal Officer at gro@bajajlife.com before escalating to IRDAI or Ombudsman.","display":"Customer Care/Grievance Officer first; then Grievance Redressal Officer if unresolved or no response within 14 days","note":null,"quote":"In case You have any query or complaint/ grievance, You may contact the Grievance Officer of any nearest Customer Care Center at Branch Office of the Company. Alternatively, You may communicate with the Company:\nBy post at: Customer Care Desk, Bajaj Life Insurance Limited., Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006 By Phone at: 020- 6712 1212 By Email: customercare@bajajlife.com In case You are not satisfied with the resolution provided to You by the above office, or have not received any response within fourteen (14) days, or You have any suggestion in respect of this Policy or on the functioning of the office, You may contact the following official for resolution:\nGrievance Redressal Officer, Bajaj Life Insurance Limited.","sources":[{"clause":"Part F(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-part-f-d"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Minimum sum assured is ₹50,000 for each cover option. Maximum sum assured has no limit, subject to the company's prevailing Board Approved Underwriting Policy, and the policy schedule says the sum assured will be the scheduled value or 105% of the premium paid, whichever is higher.","display":"Minimum ₹50,000 for each cover option; maximum no limit subject to underwriting","note":"Minimum and maximum limits are from the sales brochure.","quote":"Minimum Sum Assured | ₹50,000 for each cover option\nMaximum Sum Assured | No Limit, subject to the prevailing Board Approved Underwriting Policy of Company ... Sum Assured will be the value above or 105% of the Premium Paid, whichever is higher.","sources":[{"clause":"4(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18647#c-4-c"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-s1"}],"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 Terminal Illness with Term Booster, on diagnosis of terminal illness or on death, whichever is earlier, the Sum Assured on TI is paid. Under Accidental Death Benefit, on accidental death the Sum Assured on ADB is paid and all other covers terminate.","display":"TI with TB pays Sum Assured on TI on death or terminal illness; ADB pays Sum Assured on ADB on accidental death","note":"Applies to the cover options chosen.","quote":"On the diagnosis of Terminal Illness or on Death whichever is earlier, the Sum Assured on TI will be paid. ... On Accidental Death of the Life Assured as per Annexure D, the Sum Assured on ADB will be paid and all other covers under the Policy will terminate.","sources":[{"clause":"4(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-4-a"},{"clause":"4(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-4-b"}],"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":"Variant 1 Shield has no maturity benefit. Variant 2 Shield with Return of Premium returns all premiums paid on the Date of Maturity, excluding premium for covers with a claim raised or paid, taxes, extra or additional premium.","display":"Variant 1: no maturity benefit; Variant 2: return of premiums paid on maturity, with exclusions","note":null,"quote":"For Variant 1 Shield – No maturity benefit is payable under the Policy. For Variant 2 Shield with Return of Premium – All Premiums paid under the Policy (excluding premium for any covers under which claim has been raised or has been paid, any taxes, extra or additional premium that would have been applied as per the company’s Board approved underwriting policy) shall be returned on the Date of Maturity.","sources":[{"clause":"4(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-4-e"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium paying term may be single pay, regular pay or limited pay. Regular pay is equal to policy term; limited pay ranges depend on variant and cover, including 2 to 66 years for Shield other than CI, 2 to 29 years for Shield CI, 5 to 62 years for Shield with ROP other than CI, and 5 to 25 years for Shield with ROP CI.","display":"Single pay, regular pay or limited pay; ranges depend on variant and cover","note":"From the sales brochure.","quote":"Premium Paying Term (PPT) | Description Minimum Maximum Single Pay 1 year Variant 1: Shield Regular Pay 2 years 67 years (Other than CI) Limited Pay 2 years 66 years Single Pay 1 year Variant 1: Shield Regular Pay 2 years 30 years (CI) Limited Pay 2 years 29 years Variant 2: Shield Single Pay 1 year with ROP (Other Regular Pay 10 years 67 years than CI) Limited Pay 5 years 62 years Single Pay 1 year Variant 2: Shield Regular Pay 10 years 30 years with ROP (CI) Limited Pay 5 years 25 years","sources":[{"clause":"4(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18647#c-4-c"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum age at maturity is 85 years.","display":"85 years","note":"From the sales brochure.","quote":"Maximum Age at Maturity | 85 years","sources":[{"clause":"4(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18647#c-4-c"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"not-stated","value":null,"display":null,"note":"The documents state suicide is excluded under Accidental Death Benefit, but do not state what is paid for suicide within the first 12 months.","quote":null,"sources":[],"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":"For Variant 1, surrender is allowed at any time, but no termination value is payable when premium paying term equals policy term; if premium paying term is complete and all premiums are received before maturity, termination value is payable. For Variant 2, after completing the first policy year and paying at least one full policy year's premium, surrender value is the higher of Special Surrender Value and Guaranteed Surrender Value, subject to the stated availability rules.","display":"Variant 1: no termination value if PPT equals policy term; otherwise after PPT completion. Variant 2: surrender after first policy year with at least one full year premium paid; higher of SSV and GSV","note":"On surrender, policy benefits stop immediately and no further policy premiums are collected.","quote":"For Variant 1 - If the Policy has its premium paying term same as the Policy term then, the policyholder can surrender the policy at any time during policy term but no termination value will be payable. However, if the premium paying term of the Policy is complete and all the premiums due under the Policy have been received, and the policy has not Matured, the Policy can be terminated and Termination Value will be payable. ... For Variant 2 - During any time of the policy period 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 the Special Surrender Value (available only after completion of first Policy year and subject to maximum of the total amount of premium paid) and Guaranteed Surrender Value (available only if two full years’ premiums have been paid).","sources":[{"clause":"10(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-10-a"},{"clause":"10(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-10-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 Variant 2, if at least one policy year's full premium has been paid and the first policy year is complete, the policy acquires surrender value and will not lapse for non-payment of future premiums; it converts to a paid-up policy with benefits reduced in proportion to premiums paid against all premiums due. Waiver of Premium benefit is not available to paid-up policies.","display":"Variant 2 becomes paid-up after first policy year if at least one full year's premium is paid; benefits reduce proportionately","note":"For Variant 1, unpaid premium before the end of the grace period causes lapse as stated in the same clause.","quote":"However, 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":"6","heading":"Non-Payment and Grace Period","page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#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 policy may be revived within 5 years from the date of non-payment of premium by paying arrears with interest at 10-year G-Sec rate plus 2%, rounded up, along with applicable taxes; medical examinations may be required at the policyholder's expense.","display":"Within 5 years from non-payment, with arrears, interest and possible medical examinations","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). ... It may also require undergoing Medical Examinations, at the Policyholder’s expense.","sources":[{"clause":"8","heading":"Revival","page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-8"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"The documents describe cover options within this product and a Benefit Enhancer with a companion product, but do not list riders available with this policy.","quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 benefits are as per applicable tax laws as amended from time to time, and the policyholder is requested to consult a tax consultant and obtain independent advice before claiming any benefit.","display":"Tax benefits as per applicable tax laws; consult tax consultant","note":"From the sales brochure.","quote":"Tax Benefits under the Policy As per applicable tax laws as amended from time to time. You are requested to consult your tax consultant and obtain independent advice for eligibility and before claiming any benefit under the policy.","sources":[{"clause":"4(III)(g)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18647#c-4-iii-g"}],"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":"Every policyholder, except for those Policy’s with tenure of less than a year, shall be provided with 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":"7(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-7-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 frequency","note":"From the sales brochure. Policy schedule also shows a placeholder grace period of <15/30> days.","quote":"you will be allowed a grace period of thirty (30) days for premium payment frequencies other than monthly and fifteen (15) days for monthly frequency to pay the due premium without any penalty or late fee.","sources":[{"clause":"4(III)(g)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18647#c-4-iii-g"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 18 years and maximum entry age is 65 years. Single Pay for TI with TB has maximum entry age of 50 years.","display":"18 years to 65 years; Single Pay for TI with TB maximum 50 Years","note":"From the sales brochure. Ages are age as on last birthday.","quote":"Minimum Entry Age | 18 years\nMaximum Entry Age | 65 years Single Pay for TI with TB has maximum entry age of 50 Years","sources":[{"clause":"4(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18647#c-4-c"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single","Yearly","Half Yearly","Quarterly","Monthly"],"display":"Single, Yearly, Half Yearly, Quarterly, Monthly","note":"From the sales brochure.","quote":"Premium Payment Frequency | Single, Yearly, Half Yearly, Quarterly, Monthly","sources":[{"clause":"4(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18647#c-4-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":["single premium","regular premium","limited"],"display":"Single premium, regular premium or limited premium","note":"From the sales brochure.","quote":"Flexibility to pay premiums throughout the policy term, pay a single premium or for a limited number of years","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18647#c-s1"}],"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":"quote-verified","value":"Yes, under Variant 2 Shield with Return of Premium, all premiums paid under the policy are returned on the Date of Maturity, excluding premiums for claimed covers, taxes, extra or additional premium. Variant 1 Shield has no maturity benefit.","display":"Yes, Variant 2 Shield with Return of Premium; Variant 1 has no maturity benefit","note":null,"quote":"For Variant 1 Shield – No maturity benefit is payable under the Policy. For Variant 2 Shield with Return of Premium – All Premiums paid under the Policy (excluding premium for any covers under which claim has been raised or has been paid, any taxes, extra or additional premium that would have been applied as per the company’s Board approved underwriting policy) shall be returned on the Date of Maturity.","sources":[{"clause":"4(e)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-4-e"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"quote-verified","value":"The default benefit payment mode is lump sum. At or before policy commencement, the policyholder may choose lump sum, instalments, or a combination, with equal monthly instalments over 5 to 40 years and 1% to 100% of benefits in instalments.","display":"Default lump sum; can choose lump sum, instalments, or both; monthly instalments over 5 to 40 years","note":null,"quote":"The default mode of payment of the benefits in this Policy is lumpsum. However, on or before the commencement of the Policy, the Policyholder may choose to have the Benefits paid in lumpsum, in instalments or a combination of both. If selected, the Benefits shall be paid in equal monthly instalments over 5 to 40 years as opted for by the Policyholder. You can opt to receive from 1% to 100% of the Benefits in instalments","sources":[{"clause":"9","heading":"Option to take Benefits in Installments","page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-9"}],"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":"quote-verified","value":"On diagnosis of Terminal Illness, or on death if earlier, the Sum Assured on TI is paid. On diagnosis of Terminal Illness, no further premiums are required for the policy, the cover terminates after payment and the remaining covers continue if not already paid.","display":"Sum Assured on TI paid on terminal illness diagnosis or death, whichever is earlier; future premiums stop after terminal illness diagnosis","note":null,"quote":"On the diagnosis of Terminal Illness or on Death whichever is earlier, the Sum Assured on TI will be paid. On diagnosis of Terminal Illness as per Annexure F, no further premiums will be required to be paid for the Policy. Once paid this cover will terminate and the rest of the covers will continue, if not already paid.","sources":[{"clause":"4(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-4-a"}],"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":"quote-verified","value":"On diagnosis of Terminal Illness under the Terminal Illness with Term Booster benefit, no further premiums are required for the policy. Paid-up policies do not get the waiver of premium benefit.","display":"Premiums stop on Terminal Illness diagnosis under TI with TB; not available to paid-up policies","note":"The cited waiver is for Terminal Illness with Term Booster. The documents do not state waiver on disability or critical illness.","quote":"On diagnosis of Terminal Illness as per Annexure F, no further premiums will be required to be paid for the Policy. ... Waiver of Premium benefit will not be available to paid-up policies.","sources":[{"clause":"4(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-4-a"},{"clause":"6","heading":"Non-Payment and Grace Period","page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659#c-6"}],"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":"The documents mention possible medical examination costs and medical examinations for revival, but do not state entry medical test requirements or cover thresholds.","quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Bajaj Life Secure Plus secure-plus-policy-doc.pdf","pages":14,"fetched_at":"2026-10-20 00:50:01+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/health-insurance/secure-plus-policy-doc.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18659"},{"kind":"cis","label":"Bajaj Life Secure Plus secure-plus-cis.pdf","pages":7,"fetched_at":"2026-10-20 00:49:35+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/health-insurance/secure-plus-cis.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18636"},{"kind":"brochure","label":"Bajaj Life Secure Plus secure-plus-sl.pdf","pages":26,"fetched_at":"2026-10-20 00:49:46+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/health-insurance/secure-plus-sl.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01/document/18647"}],"versions":[],"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 Secure Plus (UIN 116N216V01), IndiaInsurances, https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-secure-plus-116n216v01"}