{"uin":"116N242V02","name":"Bajaj Life Flexi Income Goal Plus – Enhanced benefit","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02","insurer":{"slug":"bajaj-life-insurance","name":"Bajaj Life Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Bajaj Life Flexi Income Goal Plus is a non-linked participating individual life insurance savings plan with limited premium payment. The Enhanced Benefit Variant provides Guaranteed Monthly Income, a Guaranteed Lump Sum, death benefit and maturity benefit, with a 30-day free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:37:08.717234+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":["Income Benefit Variant","Enhanced Benefit Variant"],"display":"Income Benefit Variant; Enhanced Benefit Variant","note":"The selected variant is specified in the policy schedule.","quote":"The policy has two variants. The Income Benefit Variant only offers Death Benefit, Guarantee Monthly Income, Bonus (if declared) and Maturity Benefit. The Enhanced Benefit Variant, in addition to Death Benefit, Guarantee Monthly Income, Bonus (if declared) and Maturity Benefit also provides a Guaranteed Lumpsum Benefit.","sources":[{"clause":"4","heading":"Benefits","page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-4"}],"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 is PPT plus 5 years to 27 years.","display":"PPT plus 5 years to 27 years","note":"From the sales brochure.","quote":"Policy Term (PT) | PPT plus 5 years to 27 years","sources":[{"clause":"3","heading":"Cash Value (CV)","page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18650#c-3"}],"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":"The policy requires death claim intimation but does not state a deadline for giving it.","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":["Written Notice of Intimation of Death","Original Death Certificate","Medical cause of death certificate","If death is due to unnatural causes, copy of FIR (First Information Report) and PMR (Post-Mortem Report)","Any other documents that may be requested on intimation of death of the Life Assured for investigations or otherwise by the Company"],"display":"Written notice of death, death certificate, medical cause of death certificate, FIR/PMR for unnatural death, and other requested documents","note":null,"quote":"Written Notice of Intimation of Death ... Original Death Certificate ... Medical cause of death certificate ... If death is due to unnatural causes, copy of FIR (First Information Report) and PMR (Post-Mortem Report); Any other documents that may be requested on intimation of death of the Life Assured for investigations or otherwise by the Company.","sources":[{"clause":"10","heading":"Claim Process","page":7,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-10"}],"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 web links for claims TAT, but the policy text provided does not state the settlement 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":["Suicide Exclusion"],"display":"Suicide within 12 months; no other exclusions","note":null,"quote":"Suicide Exclusion In case the death of the Life Assured is due to suicide within 12 months from the Date of Commencement of the Policy, or 12 months from the date the Policy has been Revived, then higher of 80% of the total premiums paid till or surrender value as on the date of death would be payable. There are no exclusions in the product other than this.","sources":[{"clause":"Row 5(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18638#c-row-5-b"}],"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":"Contact the Grievance Officer of the nearest Customer Care Center or the Customer Care Desk first. 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 Center/Customer Care Desk first; then Grievance Redressal Officer if unresolved in 14 days","note":null,"quote":"In case You have any query or complaint/ grievance, You may contact the Grievance Officer of any nearest Customer Care Center at Branch Office of the Company. Alternatively, You may communicate with the Company: By 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: Grievance Redressal Officer","sources":[{"clause":"20","heading":"Grievance Redressal","page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-20"}],"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":"Sum Assured on Death multiple is minimum 7 times annualized premium for entry age below 50 and 5 times annualized premium for entry age 50 or above; maximum is 11 times annualized premium.","display":"Minimum 7x annualized premium if entry age < 50, 5x if entry age >= 50; maximum 11x annualized premium","note":"From the sales brochure.","quote":"Sum Assured on Death Multiple | Entry Age < 50 : 7 times of Annualized Premium For Entry Age >= 50 : 5 times of Annualized Premium | 11 times of Annualized Premium","sources":[{"clause":"3","heading":"Cash Value (CV)","page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18650#c-3"}],"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":"For the Enhanced Benefit Variant, if the policy is in force on death, a lump sum is paid and the policy terminates. It includes Sum Assured on Death, attached compound reversionary and terminal bonuses if applicable, accumulated monthly income or lump sum benefits, an extra 5% of accumulated GMI and/or GLS, and is never less than 105% of total premiums paid or surrender value, whichever is higher.","display":"Sum Assured on Death plus applicable bonuses, accumulated benefits and extra 5% of accumulated GMI/GLS; at least 105% of total premiums paid or surrender value, whichever is higher","note":"Applies to the Enhanced Benefit Variant.","quote":"If the policy is in force on the date of death, the Death Benefit will be payable as a lump sum, and the policy will terminate thereafter. The death benefit will include: The Sum Assured on Death, and any attached Compound reversionary and terminal bonuses, if applicable, and any accumulated Monthly Income or Lump Sum benefits under the policy. If you have accumulated Guaranteed Monthly Income and/or Guaranteed Lump Sum, your nominee will receive an extra 5% of the accumulated amount(s). The total death benefit will never be less than:105% of the total premiums paid, or The Surrender Value available on the date of death, whichever is higher.","sources":[{"clause":"4","heading":"Benefits","page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-4"}],"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":"For the Enhanced Benefit Variant, if the life assured survives to maturity and the policy is in force, the maturity benefit is paid as a lump sum and the policy ends. It includes 100% of Maturity Sum Assured, attached Compound Revisionary Bonus if any, Accumulated Guaranteed Monthly Income if any, Terminal Bonus if declared, and the CIS also includes Accumulated Guaranteed Lump Sum-I if any.","display":"100% of Maturity Sum Assured plus attached CRB if any, AGMI if any, Terminal Bonus if declared, and AGLS-I if any","note":"Applies to the Enhanced Benefit Variant.","quote":"If the life assured survives until the Maturity Date and the policy is in force, the Maturity Benefit will be payable as lumpsum and the policy will terminate thereafter. ... On the Maturity Date, you will receive: 100% of the Maturity Sum Assured, plus attached Compound Revisionary Bonus, if any, Accumulated Guaranteed Monthly Income (AGMI), if any, Terminal Bonus, if declared ... Accumulated Guaranteed Lump Sum-I, if any","sources":[{"clause":"4","heading":"Benefits","page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-4"},{"clause":"Row 5","heading":"Policy Coverage / benefits payable","page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18638#c-row-5"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium payment term is 5 to 22 years.","display":"5 to 22 years","note":"From the sales brochure.","quote":"Premium Payment Term (PPT) | 5 to 22 years","sources":[{"clause":"3","heading":"Cash Value (CV)","page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18650#c-3"}],"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 80 years.","display":"80 years","note":"From the sales brochure.","quote":"Age at Maturity | 18 years | 80 years","sources":[{"clause":"3","heading":"Cash Value (CV)","page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18650#c-3"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from policy commencement or within 12 months from revival, the higher of 80% of total premiums paid till death or surrender value as on the date of death is payable.","display":"Within 12 months: higher of 80% of total premiums paid or surrender value","note":null,"quote":"In case the death of the Life Assured is due to suicide within 12 months from the Date of Commencement of the Policy, or 12 months from the date the policy has been Revived, then higher of 80% of the total premiums paid till or surrender value as on the date of death would be payable.","sources":[{"clause":"14","heading":"Exclusions","page":10,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-14"}],"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":"After completing the first policy year and if at least one full policy year's premium has been paid, the policy may be surrendered. The surrender value is the higher of Special Surrender Value, available after completion of the first policy year, or Guaranteed Surrender Value, available only if two full years' premiums have been paid.","display":"After first policy year with one full year's premium paid; higher of SSV or GSV","note":null,"quote":"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 Special Surrender Value (available only after completion of first Policy year) or Guaranteed Surrender Value (available only if two full years’ premiums have been paid).","sources":[{"clause":"8","heading":"Surrender","page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-8"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If one full policy year's premium has been paid and later premiums are not paid, the policy does not lapse and is converted to a Paid-Up Policy after the grace period. All benefits are reduced by multiplying the benefit amount with the Reduced Paid Up factor; if the first policy year's premium is unpaid, the policy lapses and no benefits are payable after the grace period.","display":"After one full policy year's premium: converted to Paid-Up Policy with reduced benefits; before that: lapse","note":null,"quote":"if such unpaid premium is payable for the first Policy Year, from the Date of Commencement of the Policy, then the policy will Lapse, and no benefits will be payable on expiry of the Grace Period. ... if one full Policy Year’s premium has been paid, the policy will have acquired surrender value. In such cases, the policy shall not lapse and will be converted to a Paid-Up Policy on the expiry of the Grace Period. Under a Paid-Up Policy, all benefits will be reduced. The reduced benefits will be calculated by multiplying the benefit amount with the Reduced Paid Up (RPU) factor.","sources":[{"clause":"6(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-6-a"},{"clause":"6(b)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-6-b"}],"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. Revival requires arrears of premiums with interest and may require medical examinations, and is subject to the company's underwriting decision.","display":"Within 5 years from the date of non-payment of premium","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 ... It may also require undergoing Medical Examinations, at the Policyholder’s expense. After all parameters have been considered, the policy may either be: a) Revived with the same premium amount; or b) Revived with different premium amounts; or c) Refused revival","sources":[{"clause":"9","heading":"Revival","page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-9"}],"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":"A loan can be taken once the policy has acquired surrender value, up to 80% of available surrender value less any accumulated cash bonus, accumulated guaranteed monthly income and accumulated guaranteed lump sum. Outstanding loan and interest are deducted from death, maturity or surrender payouts.","display":"Loan available after surrender value; up to 80% of available surrender value less accumulations","note":null,"quote":"Loan can be availed under the policy as long as it has acquired a Surrender Value. Loan can be availed subject to a maximum limit of 80% of the available Surrender Value, less any accumulated cash bonus, accumulated guaranteed monthly income and accumulated guaranteed lump sum. ... On Death, Maturity and Surrender, any outstanding loan amount along with interest payable at such time will be deducted from the Death Benefit, Maturity Benefit or Surrender Value before being released to the Policyholder.","sources":[{"clause":"11","heading":"Loan","page":7,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-11"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Bajaj Accidental Death Benefit Rider (UIN:116B034V02)","Bajaj Accidental Permanent Total/Partial Disability Benefit Rider (UIN: 116B036V02)","Bajaj Life Family Protect Rider (UIN: 116B056V01)","Bajaj Life New Critical Illness Benefit Rider (UIN: 116B058V01)","Bajaj Life New Waiver of Premium Rider (UIN: 116B061V01)","Bajaj Life Care Plus Rider Non-Linked (UIN : 116B062V01)"],"display":"Accidental death, accidental disability, family protect, critical illness, waiver of premium, and care plus riders","note":"From the sales brochure. Riders are optional additional rider benefits at extra cost.","quote":"The riders available with Bajaj Life Flexi Income Goal Plus are: 1. Bajaj Accidental Death Benefit Rider | (UIN:116B034V02) 2. Bajaj Accidental Permanent Total/Partial Disability Benefit Rider | (UIN: 116B036V02) 3. Bajaj Life Family Protect Rider | (UIN: 116B056V01) 4. Bajaj Life New Critical Illness Benefit Rider | (UIN: 116B058V01) 5. Bajaj Life New Waiver of Premium Rider | (UIN: 116B061V01) 6. Bajaj Life Care Plus Rider Non-Linked | (UIN : 116B062V01)","sources":[{"clause":"3","heading":"Cash Value (CV)","page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18650#c-3"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after three years from the later of policy commencement, commencement of risk, latest revival or rider commencement. Within three years, it may be questioned for fraud or material misstatement, with written communication of the grounds and materials; for non-fraud misstatement, premiums collected are paid within 90 days from repudiation.","display":"After 3 years, policy cannot be questioned; within 3 years, fraud or material misstatement rules apply","note":null,"quote":"No Policy of life insurance shall be called in question on any ground whatsoever after expiry of three (3) years from (a) the Policy Commencement Date or (b) the Date of Commencement of Risk or (c) the date of latest revival of the Policy or (d) the Date of Commencement of Rider; whichever is later. ... On the ground of fraud, a Policy of life insurance may be called in question within three (3) years from ... Life insurance Policy can be called in question within three (3) years on the ground that any statement of or suppression of a fact material to expectancy of life of the Life Assured or Policyholder was incorrectly made in the Proposal Form or other documents ... 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":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-1-4"},{"clause":"2","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-2-3"},{"clause":"6","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-6-4"},{"clause":"7","heading":null,"page":17,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-7-4"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Tax benefits under the plan will be as per applicable tax laws as amended from time to time, and the policyholder is asked to consult a tax consultant for eligibility before claiming any benefit.","display":"Tax benefits as per applicable tax laws; consult tax consultant","note":"From the sales brochure.","quote":"Tax benefits – Tax benefits under the plan will be 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":"3(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18650#c-3-d"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Refund during free look is subject to stated deductions; cancellation request is processed and premium refunded within 7 days of receipt.","quote":"You shall be provided a Free Look Period of 30 days beginning from the date of receipt of policy document, whether received electronically or otherwise, to review the terms and conditions of such policy","sources":[{"clause":"7","heading":"Freelook Period","page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#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":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for non-monthly modes; 15 days for monthly mode","note":"Monthly premium frequency has a 15-day grace period; all other premium payment frequencies have 30 days.","quote":"15-days would be offered where the premium payment frequency is monthly, and 30- days would be offered for all other premium payment frequencies. All benefits will be available during the grace period and will be paid after deduction of due but unpaid premiums.","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-s1"}],"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":"Entry age is minimum 0 year and maximum 55 years.","display":"0 year to 55 years","note":"From the sales brochure. Ages are age as on last birthday.","quote":"Age at Entry | 0 year | 55 years","sources":[{"clause":"3","heading":"Cash Value (CV)","page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18650#c-3"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["monthly","quarterly","bi-annual","annual"],"display":"monthly, quarterly, bi-annual or annual","note":null,"quote":"Premium is due and payable for the Premium Payment Period at the frequency detailed under Premium Payment Frequency, being monthly, quarterly, bi-annual or annual.","sources":[{"clause":"5","heading":"Premium Payment","page":6,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-5"}],"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":["limited premium payment"],"display":"Limited premium payment","note":null,"quote":"Your policy is an individual non-linked, life, participating, limited premium payment, savings plan.","sources":[{"clause":"1","heading":"Your policy","page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-1"}],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"quote-verified","value":"For the Enhanced Benefit Variant, Guaranteed Lump Sum is paid at the end of the premium payment period and Guaranteed Monthly Income is paid every month from the end of the PPT for the chosen income period, if the life assured is alive and the policy is in force. Maturity includes 100% of the Maturity Sum Assured if in force, and death benefit is never less than 105% of total premiums paid or surrender value, whichever is higher.","display":"Guaranteed Lump Sum, Guaranteed Monthly Income, 100% of Maturity Sum Assured, and minimum death benefit of 105% of total premiums paid or surrender value","note":"Applies to the Enhanced Benefit Variant; bonuses are not guaranteed.","quote":"If the life assured is alive at the end of the Premium Payment Period and the policy is in force, a Guaranteed Lump Sum (GLS) will be paid. ... Guaranteed Monthly Income will be paid every month. The first GMI payment will be due at the end of the PPT and will be paid for the Income Period, as chosen. ... On the Maturity Date, you will receive: 100% of the Maturity Sum Assured ... The total death benefit will never be less than:105% of the total premiums paid, or The Surrender Value available on the date of death, whichever is higher.","sources":[{"clause":"4","heading":"Benefits","page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-4"}],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"quote-verified","value":"This is a participating plan and participates in Bajaj Life Insurance Limited's profits; bonuses are payable only if declared. The policy defines Cash Bonus as a yearly bonus and Compound Revisionary Bonus as a yearly bonus paid at maturity or death claim, and also refers to Terminal Bonus if declared.","display":"Participating; bonuses if declared, including Cash Bonus, Compound Revisionary Bonus and Terminal Bonus","note":null,"quote":"The policy does participate in Bajaj Life Insurance Limited’s profits and bonuses, if any declared, will payable under the Policy. ... “Cash Bonus (CB)” is a yearly bonus paid under your policy. This amount, if any will be as per the rates declared by the company. ... “Compound Revisionary Bonus” shall mean a yearly bonus declared by the company, which is paid only at the time of maturity or when death benefit has been claimed. ... Terminal Bonus, if declared","sources":[{"clause":"1","heading":"Your policy","page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-1"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-s1"},{"clause":"4","heading":"Benefits","page":5,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663#c-4"}],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"quote-verified","value":"In the sales brochure illustration for a 35-year-old male with PT/PPT 25/10, total premium paid ₹10,00,000 and Sum Assured on Death multiple 11, total maturity benefit is shown as ₹3,73,550 at 4% and ₹15,81,239 at 8%. The assumed returns at 4% and 8% are illustrative and not guaranteed.","display":"Example: ₹3,73,550 at 4% and ₹15,81,239 at 8%, not guaranteed","note":"From the sales brochure.","quote":"35 years Male, PT/PPT- 25/10, Total Premium Paid– `10,00,000, Sum Assured on Death Multiple - 11, accumulation is not opted ,standard life and non-smoker ... Total (Rs. ) | ₹ 3,73,550 | ₹ 15,81,239 ... The assumed rate of returns indicated at 4%a and 8%a are illustrative and not guaranteed and do not indicate the upper or lower limits of returns under the policy","sources":[{"clause":"3","heading":"Cash Value (CV)","page":1,"url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18650#c-3"}],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Bajaj Life Flexi Income Goal Plus – Enhanced benefit flexi-income-goal-plus-policy-doc.pdf","pages":17,"fetched_at":"2026-10-20 00:50:05+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/savings-plans/flexi-income-goal-plus-policy-doc.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18663"},{"kind":"cis","label":"Bajaj Life Flexi Income Goal Plus – Enhanced benefit fig-plus-enhanced-cis.pdf","pages":5,"fetched_at":"2026-10-20 00:49:37+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/savings-plans/fig-plus-enhanced-cis.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18638"},{"kind":"brochure","label":"Bajaj Life Flexi Income Goal Plus – Enhanced benefit fig-plus-enhanced-leaflet.pdf","pages":6,"fetched_at":"2026-10-20 00:49:51+00","source_url":"https://www.bajajlifeinsurance.com/content/dam/balic-web/pdf/savings-plans/fig-plus-enhanced-leaflet.pdf","url":"https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02/document/18650"}],"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 Flexi Income Goal Plus – Enhanced benefit (UIN 116N242V02), IndiaInsurances, https://indiainsurances.com/policy/bajaj-life-insurance/bajaj-life-flexi-income-goal-plus-enhanced-benefit-116n242v02"}