{"uin":"116N217V01","name":"Bajaj Life Group Sampoorna Raksha Kavach","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01","insurer":{"slug":"bajaj-life-insurance","name":"Bajaj Life Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-life-insurance"},"line":"life","category":"group-life","category_name":"Group and credit life","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Bajaj Life Group Sampoorna Raksha Kavach is a non-linked, non-participating group micro life insurance plan with a single premium and OYRT, level or reducing cover. It has no maturity benefit and offers in-built optional ADB, AATPD, ACI and OPD benefits.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:42:42.597039+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Single Life","Joint Life Option 1","Joint Life Option 2"],"display":"Single Life, Joint Life Option 1 or Joint Life Option 2","note":null,"quote":"The Policy is available on Single Life or Joint Life basis. ... The Single Life, Joint Life Option 1 or Joint Life Option 2 has to be chosen at the Date of Commencement of Risk, and cannot be changed during the Policy Term of Member.","sources":[{"clause":"2(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-2-b"},{"clause":"2(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-2-c"}],"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":"Cover term ranges from 1 month to 180 months. Where one-year renewable term cover is chosen, it may be renewed for successive periods of one year on each Membership Anniversary, subject to eligibility, premium payment and underwriting.","display":"1 month to 180 months; OYRT renewable yearly","note":"The 1 month to 180 months range is from the sales brochure. OYRT renewal is not automatic.","quote":"Cover Term: | Joint Life Option:\nRanging from 1 month to 180 months. ... Where one-year renewable term (OYRT) cover has been chosen, the Life Insurance\nPolicy Document Ver. 1 (082026) Bajaj Life Group Sampoorna Raksha Kavach Non-Linked, Non-Participating, Group Micro Life Insurance, Plan UIN: 116N217V01 Cover of the Member may be renewed for successive periods of one year on each Membership Anniversary","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18653#c-s1"},{"clause":"8","heading":"Loans","page":15,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-8"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Certificate of Insurance/ Original Policy document issued by the Company.","KYC of Claimant along with Valid account details documents (Cancelled cheque/Bank statement/Bank Passbook)","KYC of LA","Proposal form with Customer authorization letter","Medical records from the physician last seen.","Certificate of Hospital Treatment","Certificate of Outstanding loan as issued by the Policyholder.","Discharge summary / Discharge card from the hospitals/ clinics where LA had taken treatment.","Loan Sanction letter","Credit Account Statement in case of Non Employer Employee Group Life Insurance policies covering lender borrower groups","Death Certificate issued by the local municipal /competent authority","Medical cause of death certificate","Coroner’s / Post Mortem Report / FIR (First Information Report) / PIR (Police Inquest Report) / Final Inquest Report in case of unnatural / accidental death."],"display":"Policy/COI, KYC and bank details, proposal/authorisation, medical and hospital records, loan documents, death certificate and police/post-mortem documents where applicable","note":"The policy also allows the Company to ask for any other relevant document depending on the facts and circumstances of the claim.","quote":"Certificate of Insurance/ Original Policy document issued by the Company. ... KYC of Claimant along with Valid\naccount | details | documents\n(Cancelled | cheque/Bank\nstatement/Bank Passbook) ... KYC of LA ... Proposal form with Customer authorization letter ... Medical records from the physician last seen. ... Certificate of Hospital Treatment ... Certificate of Outstanding loan as issued by the Policyholder. ... Discharge summary / Discharge card from the hospitals/ clinics where LA had taken treatment. Any other document that may be relevant in establishing the validity of the claim. ... Loan Sanction letter ... Credit Account Statement in case of Non Employer Employee Group Life Insurance policies covering lender borrower groups ... Death Certificate issued by the local municipal /competent authority ... Medical cause of death certificate from the doctor who last attended to the Life Assured or from the hospital in which the death occurred ... Coroner’s / Post Mortem Report / FIR (First Information Report) / PIR (Police Inquest Report) / Final Inquest Report in case of unnatural / accidental death.","sources":[{"clause":"9(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-9-a"},{"clause":"9(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-9-b"},{"clause":"9(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-9-c"},{"clause":"9(d)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-9-d"},{"clause":"9(e)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-9-e"},{"clause":"9(f)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-9-f"},{"clause":"9(g)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-9-g"},{"clause":"9(h)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-9-h"},{"clause":"9(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-9-i"},{"clause":"9(j)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-9-j"},{"clause":"9(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-9-c-2"},{"clause":"9(d)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-9-d-2"},{"clause":"9(e)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-9-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":["In case of the base Death Benefit, there are no exclusions other than the suicide clause.","For following Critical Illnesses the waiting period is 90 days","For other Critical Illnesses the waiting period is 30 days.","There is a 30-day waiting period w.r.t availing OPD benefits.","Death occurs as a result of the Member committing any breach of law with criminal intent","Death as a consequence of the Member being under the influence of alcohol or drugs","Death as a result of self-inflicted injuries .","Death occurs as a result of the Member taking part in any naval, military or air force operation during peace time","Death occurs as a result of the Member 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.","Any Pre-existing medical condition.","Diagnosis and treatment outside India.","Nuclear Contamination","Reimbursement is out of scope for this benefit."],"display":"Suicide for base death benefit; waiting periods and exclusions for optional ADB, AATPD, ACI and OPD benefits","note":"Most listed exclusions apply to in-built optional covers, not to the base death benefit.","quote":"In case of the base Death Benefit, there are no exclusions other than the suicide clause. ... (1) (A). For following Critical Illnesses the waiting period is 90 days\n• Cancer of Specified Severity\n• MYOCARDIAL INFARCTION - First Heart Attack of Specified Severity\n• Open Chest Coronary Artery Bypass graft\n• Stroke Resulting in Permanent Symptoms (B). For other Critical Illnesses the waiting period is 30 days. ... There is a 30-day waiting period w.r.t availing OPD benefits. ... The accidental death benefit will not be payable in the following situations:\n1. Death occurs as a result of the Member committing any breach of law with criminal intent\n2. Death as a consequence of the Member being under the influence of alcohol or drugs other than in accordance with the directions of a registered Medical Practitioner\n3. Death as a result of self-inflicted injuries . ... 4. Death occurs as a result of the Member taking part in any naval, military or air force operation during peace time\n5. Death occurs as a result of the Member participating in or training for any dangerous or hazardous sport or competition or riding or driving in any form of race or competition ... 7. 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\n8. Death occurs as a result of war, invasion, civil war, rebellion, riots. ... Any Pre-existing medical condition. ... Diagnosis and treatment outside India. ... 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 ... Reimbursement is out of scope for this benefit.","sources":[{"clause":"9(f)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-9-f-2"},{"clause":"F.2(iii)","heading":"Applicable Specialties for Medical Expert Opinion","page":26,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-f-2-iii"},{"clause":"F.2(b)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-f-2-b"},{"clause":"F.2(b)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-f-2-b-2"}],"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 Centre or the Company's Customer Care Desk by post, phone or email. If not satisfied or no response is received within 14 days, contact the Grievance Redressal Officer at gro@bajajlife.com before approaching IRDAI or the Ombudsman.","display":"Customer Care/Grievance Officer first; then Grievance Redressal Officer after 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 Centre at Branch Office of the Company. Alternatively, you may communicate with the Company:\nBy post at: Customer Care Desk, Bajaj Life Insurance Ltd., Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006 By Phone at: Customer Care No. 020-6712 1212 By Email: customercare@bajajlife.com In case the You are not satisfied with the resolution provided to You by the above office, or have not received any response within fourteen (14) days ... Grievance Redressal Officer, Bajaj Life Insurance Ltd. Bajaj Insurance House, Airport Road Yerawada, Pune, District – Pune, Maharashtra\n-411006 Customer Care No: 020-6712 1212 Email ID: gro@bajajlife.com","sources":[{"clause":"22","heading":"Grievance Redressal","page":21,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-22"}],"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 per Member is Rs. 5,000 and maximum is Rs. 2,00,000. If Accidental Death Benefit is opted, death Sum Assured plus ADB Sum Assured cannot be greater than Rs. 2 lakhs, and any optional in-built cover cannot exceed the Sum Assured on Death Benefit.","display":"Rs. 5,000 to Rs. 2,00,000 per member","note":"From the sales brochure. The policy wording says minimum and maximum Sum Assured are set out in the Scheme Rules and Board Approved Underwriting Policy within filed limits.","quote":"Sum Assured per Member | Minimum: Rs. 5,000 Maximum: Rs. 2,00,000 Maximum Sum Assured shall be as per Board Approved Underwriting Policy (BAUP) • When Accidental Death Benefit is opted, then sum assured on Death plus Accidental Deat Benefit sum assured cannot be greater than 2 Lakhs. ... Note that the Sum Assured for any of the optional in-built covers shall not exceed the Su Assured on Death Benefit.","sources":[{"clause":"Row 5(b)(vi)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18653#c-row-5-b-vi"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"No maturity benefit is payable on survival of the Member to the Maturity Date.","display":"No maturity benefit","note":null,"quote":"No maturity benefit shall be payable on the survival of the Member to the Maturity Date.","sources":[{"clause":"3.2","heading":"Maturity Benefit","page":13,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-3-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"This is a single premium product, so the premium is paid as a lump sum.","display":"Single Premium","note":null,"quote":"The Policy is issued under a non-linked, non-participating, life, group micro\nBajaj Life Insurance Limited insurance plan with a Single Premium payment option","sources":[{"clause":"2(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-2-a"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum maturity age is 80 years for all cover except with inbuilt ACI, and 70 years for all cover including inbuilt ACI.","display":"80 years; 70 years with inbuilt ACI","note":"From the sales brochure.","quote":"Age at Maturity (Age at last birthday) | Minimum: 15 years for Employee Employer groups 6 years for Non-Employee Employer groups 19 years for all optional inbuilt benefits and joint life cover Maximum: For all cover except with inbuilt ACI: 80 years for Employee Employer groups & Non- Employe Employer groups. For all cover including inbuilt ACI:70 years","sources":[{"clause":"Row 5(b)(vi)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18653#c-row-5-b-vi"}],"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":null,"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 Membership surrender, no Termination Value is payable for a coverage term up to two months. Otherwise the Member can surrender at any time and the Termination Value is TV1 Factor × Single Premium for level cover or TV2 Factor × Single Premium for reducing cover; on surrender the member’s cover terminates.","display":"No Termination Value up to 2 months; otherwise TV1 × Single Premium or TV2 × Single Premium","note":"For Master Policy surrender, no termination value is payable under the policy and existing members continue to be covered.","quote":"Membership Surrender:\ni) No Termination Value is payable:\n• For a Coverage Term up to two (2) months.\nii) The Member can, at any time, surrender his/her cover under the Policy [other than that in sub-section (i) above]. The Termination Value shall be:\n• Level Cover: TV1 Factor × Single Premium w.r.t. that Member; and\n• Reducing Cover: TV2 Factor × Single Premium w.r.t. that Member. ... On surrender of Membership, the Termination Value, if any, will be payable as above, and the Life Insurance Cover w.r.t. that Member will terminate, immediately and automatically.","sources":[{"clause":"3.3","heading":"Termination Value","page":13,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-3-3"}],"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":"Paid-up provisions are not applicable because this is a single premium product and the cover does not lapse for non-payment of premium.","display":"Not applicable for paid-up","note":null,"quote":"This is a Single Premium product. Accordingly, the Life Insurance Cover does not lapse for non-payment of premium; the non-forfeiture (lapse / paid-up) provisions are not applicable to this Policy.","sources":[{"clause":"5","heading":"Non-forfeiture","page":14,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-5"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Revival period is not applicable.","display":"Revival Period: Not Applicable","note":"The policy is a single premium product and the life cover does not lapse for non-payment of premium.","quote":"Lapse, paid-up and revival of the Policy | Non-Payment of Premiums (Lapse and Paid-up): Not Applicable Revival Period: Not Applicable","sources":[{"clause":null,"heading":"Options to policyholders for availing benefits, if any, covered","page":106,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-options-to-policyholders-for-availing-benefits-i"}],"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":"No loans are available under this policy.","display":"No loans are available","note":null,"quote":"No loans are available under this Policy.","sources":[{"clause":"8","heading":"Loans","page":15,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-8"}],"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":["ADB","AATPD benefit","ACI benefit","Out-Patient Department (OPD) Benefits"],"display":"In-built optional covers: ADB, AATPD, ACI and OPD Benefits","note":"These are described as in-built optional covers, not separate riders.","quote":"The Policy has the Life Insurance Covers of the base Death Benefit, and four (4) In-built Optional Covers - ADB, AATPD benefit, ACI benefit and/or Out-Patient Department (OPD) Benefits","sources":[{"clause":"2(e)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-2-e"}],"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 expiry of three years from the later of the Policy Commencement Date, Date of Commencement of Risk, latest revival or Date of Commencement of Rider. 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 of repudiation.","display":"Cannot be questioned after three (3) years; fraud/misstatement rules apply within three (3) years","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 ... 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 case repudiation is on ground of misstatement 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":104,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-1-5"},{"clause":"2","heading":null,"page":104,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-2-5"},{"clause":"6","heading":null,"page":104,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-6-5"},{"clause":"7","heading":null,"page":104,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#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":"The policy document says the Company does not provide any warranty or assurance that purchasing the policy makes the Policyholder eligible for income tax or other tax rebate or relief.","display":"No warranty or assurance of tax rebate or relief","note":null,"quote":"The Company 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-group-sampoorna-raksha-kavach-116n217v01/document/18670#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":"No free look period is available where the Policy Term or Member’s Policy Term is less than one year.","quote":"The Policyholder/Member 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 Policy Terms and Conditions of such Policy, except where the Policy Term or, in the case of a Member, the Policy Term of the Member is less than one year, in which case no Free Look Period is available.","sources":[{"clause":"7","heading":"Free Look Period","page":15,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-7"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"not-applicable","value":null,"display":null,"note":"This is a single-premium policy, so a grace period for later premium due dates cannot apply.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 14 years for Employee Employer groups, 5 years for Non-Employee Employer groups, and 18 years for all inbuilt optional benefits and Joint Life cover. Maximum entry age is 79 years for all cover and 69 years for cover with inbuilt ACI.","display":"Minimum 14/5/18 years; maximum 79 years, or 69 years with inbuilt ACI","note":"From the sales brochure.","quote":"Age at Entry (Age at last birthday) | Minimum: 14 years for Employee Employer groups 5 years for Non-Employee Employer groups 18 years for all inbuilt optional benefits and Joint Life cover Risk cover will commence immediately on the date of commencement of risk Maximum: For all cover: 79 years for Employee Employer groups & for Non-Employee Employer group For Cover with inbuilt ACI: 69 years","sources":[{"clause":"Row 5(b)(vi)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18653#c-row-5-b-vi"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single Premium"],"display":"Single Premium","note":"The CIS states instalment premium and mode of premium payment are not applicable.","quote":"The Policy is issued under a non-linked, non-participating, life, group micro\nBajaj Life Insurance Limited insurance plan with a Single Premium payment option","sources":[{"clause":"2(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-2-a"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Premium"],"display":"Single Premium","note":null,"quote":"The Policy is issued under a non-linked, non-participating, life, group micro\nBajaj Life Insurance Limited insurance plan with a Single Premium payment option","sources":[{"clause":"2(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-2-a"}],"law":[]},{"key":"cover_basis","label":"Cover basis","section":"Cover","meaning":"Flat cover, salary multiple or loan outstanding.","status":"quote-verified","value":"Cover may be one-year renewable term, level cover or reducing cover, as chosen at the Date of Commencement of Risk. For reducing death cover, the Sum Assured is the amount as on the date of death shown in the Member’s Schedule of Insurance.","display":"OYRT, level cover or reducing cover","note":null,"quote":"The Policy is issued under a non-linked, non-participating, life, group micro\nBajaj Life Insurance Limited insurance plan with a Single Premium payment option, providing one-year renewable term (OYRT) cover, level cover or reducing cover, as chosen at the Date of Commencement of Risk. ... In case the Life Insurance Cover w.r.t. death is reducing as per the Schedule of Insurance of a Member – The amount as on the date of death, w.r.t. that Member as reflected in that Schedule of Insurance.","sources":[{"clause":"2(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-2-a"},{"clause":"1(ii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670#c-1-ii"}],"law":[]}],"documents":[{"kind":"wording","label":"Bajaj Life Group Sampoorna Raksha Kavach group-sampoorna-raksha-kavach-policy-doc.pdf","pages":110,"fetched_at":"2026-10-20 00:50:06+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/group-insurance/group-sampoorna-raksha-kavach-policy-doc.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18670"},{"kind":"brochure","label":"Bajaj Life Group Sampoorna Raksha Kavach group-sampoorna-raksha-kavach-brochure.pdf","pages":20,"fetched_at":"2026-10-20 00:49:52+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/group-insurance/group-sampoorna-raksha-kavach-brochure.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01/document/18653"}],"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 Group Sampoorna Raksha Kavach (UIN 116N217V01), IndiaInsurances, https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-group-sampoorna-raksha-kavach-116n217v01"}