{"uin":"121L085V05","name":"IndusInd Nippon Life Classic Plan II","url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05","insurer":{"slug":"indusind-nippon-life-insurance","name":"IndusInd Nippon Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-nippon-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"IndusInd Nippon Life Classic Plan II is a unit linked life insurance policy with death benefit, maturity benefit and ten fund options. It has a five year lock-in period, 30 day free look period and no policy loan facility.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:49:56.94474+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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Regular premium policy term is 15 to 30 years.","display":"Regular: 15 to 30 years","note":"From the sales brochure. The policy wording only shows the policy term as a schedule placeholder.","quote":"Policy Term (years) | Regular | 15 | 30","sources":[{"clause":null,"heading":"IndusInd Nippon Life Classic Plan II at a glance","page":6,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9968#c-indusind-nippon-life-classic-plan-ii-at-a-glance"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For maturity benefit, the claimant should endeavour to submit primary documents at least 15 days before the policy maturity date. For death benefit, the claimant should endeavour to intimate the company in writing and provide documents preferably within 90 days from the claim event.","display":"Maturity documents: at least 15 days before maturity; death claim: preferably within 90 days from claim event","note":null,"quote":"To enable the Company to process the Maturity Benefit in a speedy manner, the Claimant shall endeavor to submit the primary documents at least 15 days before the Policy Maturity Date. In the event of a claim for Death Benefit claim under this Policy , the Claimant shall endeavor to intimate the Company in writing of the claim and provide the following documents to the Company preferably within 90 days from the claim event.","sources":[{"clause":"6.4","heading":"Requirements for maturity and death claim","page":32,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-6-4"}],"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":["Original Policy Document","KYC documents of the Policyholder as per the Anti Money Laundering (AML) Guidelines of the Company","Maturity Discharge Form along with Personalized Cancelled cheque leaf/ Self-attested passbook copy of the Claimant / Bank statement with last 6 months transaction","FATCA CRS Form","NRI Self declaration (Only, If Policyholder is Nonresident of India)","Death certificate in original issued by the competent authority","Hospitalization documents (discharge summary along with all investigation reports) if the Life Assured has taken treatment for illness leading to his death","Claim Forms duly filled by the Claimant, by the last treating doctor (if applicable), and by a third person (who is not a relative of the Claimant)","KYC documents of the Claimant as per the Anti Money Laundering (AML) Policy of the Company","Personalized Cancelled cheque leaf/ Self-attested passbook copy of the Claimant/ Bank Statement with last 6 months transaction","Bank Authorization Form","Overseas Claims form (A), Copy of Passport, Embassy Document, Cremation certificate, Body transfer certificate from police officials (Only if Life Assured is nonresident of India)","First Information Report","Post Mortem Report","Newspaper Cutting, where available","Viscera Report/Chemical Analysis Report, where applicable","Final Police Investigation Report, where applicable","Copy of Driving License if Life Assured was driving the vehicle at the time of the Accident"],"display":"Maturity: policy document, KYC, discharge form, bank proof, FATCA CRS and NRI self declaration if applicable. Death: policy document, death certificate, medical and claim forms, KYC, bank documents, overseas documents if applicable; for unnatural death, FIR, post mortem and police or related reports.","note":"The clause also says the company may ask for additional or other relevant documents.","quote":"List of primary documents required in case of a Maturity Benefit:\na) Original Policy Document\nb) KYC documents of the Policyholder as per the Anti Money Laundering (AML) Guidelines of the Company.\nc) Maturity Discharge Form along with Personalized Cancelled cheque leaf/ Self-attested passbook copy of the Claimant / Bank statement with last 6 months transaction\nd) FATCA CRS Form\ne) NRI Self declaration (Only, If Policyholder is Nonresident of India), Annuity Payout Form indicating the annuity option customer wishes to choose (Applicable only for Pension products as per Product T&C / prevailing regulations) List of primary documents required in the event of a claim for Death Benefit for natural deaths\na) Original Policy Document\nb) Death certificate in original issued by the competent authority\nc) Hospitalization documents (discharge summary along with all investigation reports) if the Life Assured has taken treatment for illness leading to his death\nd) Claim Forms duly filled by the Claimant, by the last treating doctor (if applicable), and by a third person (who is not a relative of the Claimant)\ne) KYC documents of the Claimant as per the Anti Money Laundering (AML) Policy of the Company\nf) Personalized Cancelled cheque leaf/ Self-attested passbook copy of the Claimant/ Bank Statement with last 6 months transaction\ng) Bank Authorization Form\nh) Overseas Claims form (A), Copy of Passport, Embassy Document, Cremation certificate, Body transfer certificate from police officials (Only if Life Assured is nonresident of India)\ni) FATCA CRS Form\nList of additional documents required in the event of a claim for Death Benefit for un-natural deaths\na) First Information Report\nb) Post Mortem Report\nc) Newspaper Cutting, where available\nd) Viscera Report/Chemical Analysis Report, where applicable\ne) Final Police Investigation Report, where applicable\nf) Copy of Driving License if Life Assured was driving the vehicle at the time of the Accident","sources":[{"clause":"6.4","heading":"Requirements for maturity and death claim","page":32,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-6-4"}],"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":"quote-verified","value":"The CIS states claim settlement TAT is 15 days from receipt of request for claims not requiring investigation and 45 days from receipt of request for claims requiring investigation.","display":"15 days from receipt of request; 45 days if investigation is required","note":"Stated in the Customer Information Sheet; the policy wording gives the claim process but not this TAT.","quote":"• Turn Around Time (TAT) for claims settlement – 15 days from the date of receipt of request in case of claims not requiring investigation and 45 days from the date of receipt of request in case of claims requiring investigation.","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":4,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/10053#c-customer-information-sheet-know-your-policy-2"}],"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 within 12 months from the Date of Commencement of Risk of the Policy or from the date of Revival of the Policy","Accidental Death Benefit is not payable if death occurs exceeding 180 days of the occurrence of the Accident within the Policy Term","An act or attempted act of self-injury","Participation in any criminal act with criminal intent","Being under the influence of alcohol or drugs except under direction of a registered medical practitioner","Racing or practicing racing of any kind other than on foot","Flying or attempting to fly in, or using or attempting to use an aerial device of any description, other than as a fare paying passenger on a recognized airline or charter service","Participating in any riot, strike or civic commotion, active military, naval, air force, police or similar service","War, invasion, act of foreign enemies, hostilities or war like operations (whether war be declared or not), civic war, mutiny, military rising, insurrection, rebellion, military or usurped power or any act of terrorism or violence"],"display":"Suicide within 12 months is limited to Fund Value; accidental death benefit exclusions include death after 180 days, self-injury, criminal act, alcohol or drugs, racing, non-passenger flying, riot or military service, war and terrorism.","note":null,"quote":"In case of death of the Life Assured due to suicide, whether sane or insane within 12 months from the Date of Commencement of Risk of the Policy or from the date of Revival of the Policy, the Nominee/Claimant of the Policyholder shall be entitled to the Fund Value, as available on the date of intimation of death. ... The Accidental Death Benefit is not payable if death occurs exceeding 180 days of the occurrence of the Accident within the Policy Term. The Company will not pay any Accidental Death claim which results directly or indirectly from anyone or more of the following: i.An act or attempted act of self-injury ii.Participation in any criminal act with criminal intent iii.Being under the influence of alcohol or drugs except under direction of a registered medical practitioner iv.Racing or practicing racing of any kind other than on foot v.Flying or attempting to fly in, or using or attempting to use an aerial device of any description, other than as a fare paying passenger on a recognized airline or charter service vi.Participating in any riot, strike or civic commotion, active military, naval, air force, police or similar service, or vii.War, invasion, act of foreign enemies, hostilities or war like operations (whether war be declared or not), civic war, mutiny, military rising, insurrection, rebellion, military or usurped power or any act of terrorism or violence","sources":[{"clause":"6.5","heading":"Suicide Exclusions","page":33,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-6-5"},{"clause":"6.2","heading":"Exclusions for inbuilt Accidental Death benefit","page":31,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-6-2"}],"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 customer service by phone, email, nearest branch or writing to customer care. If unresolved for more than 14 days or unsatisfied, contact the Service Branch Manager or headcustomercare@indusindnipponlife.com, then the Grievance Redressal Officer at gro@indusindnipponlife.com before the Insurance Ombudsman.","display":"Customer service first; then Service Branch Manager or headcustomercare; then Grievance Redressal Officer at gro@indusindnipponlife.com; then Ombudsman","note":null,"quote":"Step 1: If You are dissatisfied with any of Our services, please feel free to contact Us at the following contact points –\n– Step 1.1: Call Us at 1800 102 1010 (Toll free); Call centre timings: 8am to 8pm Monday to Saturday or Email: customerservice@indusindnipponlife.com OR Step 1.2: Contact the Customer Service Executive at Your nearest branch of the Company OR Step 1.3: Write to: IndusInd Nippon Life Customer Care IndusInd Nippon Life Insurance Company Limited Unit Nos. 401B, 402, 403 & 404, 4th Floor, Inspire-BKC, G Block, BKC Main Road, Bandra Kurla Complex, Bandra East, Mumbai– 400051 OR IndusInd Nippon Life Insurance Company Limited 7th Floor, Silver Metropolis, Off Western Express Highway, Goregaon East, Mumbai - 400 063\nStep 2: If Your complaint is unresolved for more than 14 days, or, you are not satisfied with the solution provided, or, you have wish to register a complaint, please contact Our Service Branch Manager, who is also the Local Grievance Redressal Officer at Your nearest branch OR email Us at headcustomercare@indusindnipponlife.com OR write to the correspondence address mentioned in Step 1 above\nStep 3: If you are not satisfied with the resolution, please write to Our Grievance Redressal Officer at gro@indusindnipponlife.com OR write to the correspondence address mentioned in Step 1 above\nStep 4: If the issues remain unresolved; you may refer the matter to the Insurance Ombudsman in accordance with the applicable rules","sources":[{"clause":"7.3","heading":"Grievance Redressal","page":38,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-7-3"}],"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":"For regular pay, the brochure states minimum Base Sum Assured as a multiple of Annualized Premium and maximum Base Sum Assured at policy inception: age 7 to 50 is 7 to 15 times Annualized Premium; age 51 to 60 is shown as 10 in the table. For Single Pay/Top-Up, Base Sum Assured is 1.25 times Single Premium or Top-Up Premium.","display":"Regular pay: 7 to 15 times AP for age 7 to 50; 10 shown for age 51 to 60; Single Pay/Top-Up: 1.25 times SP or Top-Up Premium","note":"From the sales brochure. The policy wording states the Base Sum Assured in the policy schedule but does not print the general limits.","quote":"Base Sum Assured\nRegular Pay | Age at entry (last birthday) | Minimum Base Sum Assured as a multiple of Annualized Premium (AP) | Maximum Base Sum Assured at Policy inception as a multiple of Annualized Premium (AP)\n7 to 50 | 7 | 15\n51 to 60 | 10\nSingle Pay/ Top-Up | Base Sum Assured as a multiple of Single Premium (SP) or Top-Up Premium:\n1.25","sources":[{"clause":null,"heading":"Base Sum Assured","page":7,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9968#c-base-sum-assured"}],"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":"If the life assured dies while the policy is in force, the benefit is the highest of Base Sum Assured net of deductible partial withdrawals, Base Fund Value, and 105% of total premiums paid excluding top-ups less deductible partial withdrawals. For each top-up premium, the highest of Top-up Sum Assured, Top-up Fund Value and 105% of the Top-up Premium is also payable, and accidental death on or before age 65 within 180 days pays an additional amount up to Base Sum Assured, capped at Rs 100,00,000.","display":"Highest of Base Sum Assured net of deductible partial withdrawals, Base Fund Value, and 105% of premiums paid; plus top-up benefit if any; accidental death up to Base Sum Assured, capped at Rs 100,00,000","note":"Deductible Partial Withdrawals are partial withdrawals from Base Fund Value during the last two years immediately preceding the date of death.","quote":"In the unfortunate event of death of the Life Assured, provided the Policy is In-force, the following Benefit will be payable:\nHighest of:\n• Base Sum Assured net of all \"Deductible Partial Withdrawals\", if any; and\n• Base Fund Value; and\n• 105% of the total premium(s) paid (excluding Top-up Premiums) less “Deductible Partial Withdrawals”, if any In addition to the Benefit mentioned above, provided the Policyholder has a Top-up Fund Value, We will also pay for every Top-up Premium:\nHighest of:\n• Top-up Sum Assured; and\n• Top-up Fund Value; and\n• 105% of the Top-up Premium paid. ... If death is due to an Accident on or before Age 65, and within 180 days of the occurrence of an accident, an additional amount less than or equal to the Base Sum Assured is payable. The Sum Assured on Accidental Death will not exceed Rs 100,00,000","sources":[{"clause":null,"heading":"3.1.2. Death Benefit","page":13,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-3-1-2-death-benefit"}],"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":"On survival to the end of the policy term, if the policy is in force and all due premiums are paid, the maturity benefit is the Total Fund Value, which is the sum of Base Fund Value and Top-up Fund Value if any. It can be received as a lump sum or through the settlement option.","display":"Total Fund Value, lump sum or settlement option","note":null,"quote":"On survival of the Life Assured to the end of the Policy Term provided the Policy is in force and all due premiums are paid in full, the Maturity Benefit will be payable. The Maturity Benefit payable shall be the Total Fund Value which is sum of the Base Fund Value and Top-up Fund Value , if any. The Policyholder will have an option to receive the Maturity Benefit either as a lump sum or as a structured payout using Settlement Option.","sources":[{"clause":null,"heading":"3. Part C 3.1. Key Benefits 3.1.1. Maturity Benefit","page":13,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-3-part-c-3-1-key-benefits-3-1-1-maturity-benefit"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"For regular premium, the premium paying term is equal to the policy term. For single premium, it is a one-time payment.","display":"Regular: equal to Policy Term; Single: one-time payment","note":"From the sales brochure. The policy wording shows the chosen premium payment term in the policy schedule.","quote":"Premium Payment Term (years) | Regular | Equal to Policy Term\nSingle | One-time payment","sources":[{"clause":null,"heading":"IndusInd Nippon Life Classic Plan II at a glance","page":6,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9968#c-indusind-nippon-life-classic-plan-ii-at-a-glance"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The maximum age at maturity is 75 years last birthday.","display":"75 years last birthday","note":"From the sales brochure. The minimum age at maturity shown is 22 years last birthday.","quote":"Age at Maturity (years) | 22 (last birthday) | 75 (last birthday)","sources":[{"clause":null,"heading":"IndusInd Nippon Life Classic Plan II at a glance","page":6,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9968#c-indusind-nippon-life-classic-plan-ii-at-a-glance"}],"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 of the life assured is due to suicide, whether sane or insane, within 12 months from commencement of risk or from revival, the nominee or claimant is entitled to the Fund Value as available on the date of intimation of death. Charges other than Fund Management Charges recovered after death are paid back with that Fund Value.","display":"Within 12 months: Fund Value as on date of intimation of death, plus pay-back of charges other than FMC recovered after death","note":null,"quote":"In case of death of the Life Assured due to suicide, whether sane or insane within 12 months from the Date of Commencement of Risk of the Policy or from the date of Revival of the Policy, the Nominee/Claimant of the Policyholder shall be entitled to the Fund Value, as available on the date of intimation of death. Any Charges other than Fund Management Charges recovered subsequent to the date of death will be paid-back to Nominee/Claimant or beneficiary along with the Fund Value, as available on the date of intimation of death.","sources":[{"clause":"6.5","heading":"Suicide Exclusions","page":33,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-6-5"}],"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":"Surrender value is acquired immediately on payment of the Base Premium. During the lock-in period, Total Fund Value after discontinuance charge is transferred to the Discontinued Policy Fund and paid on completion of the lock-in period or surrender date, whichever is later; after the lock-in period, Total Fund Value is payable immediately.","display":"Immediate acquisition; during lock-in, Total Fund Value less discontinuance charge goes to Discontinued Policy Fund and is paid after lock-in or surrender date, whichever is later; after lock-in, Total Fund Value immediately","note":null,"quote":"Surrender Value is acquired immediately on payment of the Base Premium. On Surrender during the Lock-in Period, the Total Fund Value, after deduction of applicable Discontinuance Charge, shall be transferred to the Discontinued Policy Fund and risk cover and rider cover, if any, shall cease. The proceeds from the Discontinued Policy Fund shall be payable on the completion of the Lock-in Period or date of Surrender, whichever is later and the Policy shall terminate. In the event of death of the Life Assured before the end of the Lock-in Period, the proceeds from the Discontinued Policy Fund shall be payable immediately and the Policy will terminate. On Surrender after the Lock-in Period, Total Fund Value is payable immediately and the Policy terminates. Once a policy is surrendered, it cannot be reinstated.","sources":[{"clause":null,"heading":"4.7. Surrender Benefit","page":20,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-4-7-surrender-benefit"}],"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":"After the lock-in period, if due premium is not paid within the grace period, a regular premium policy is converted into a reduced paid-up policy. The Paid-up Sum Assured equals Base Sum Assured at the time of paid-up multiplied by total number of premiums paid divided by the original number of premiums payable, and the policy continues without rider benefits.","display":"After lock-in: reduced Paid-up Policy; Paid-up Sum Assured = Base Sum Assured × premiums paid ÷ original premiums payable","note":"Within the lock-in period, non-payment after grace period moves the policy to discontinuance status rather than reduced paid-up status.","quote":"If due Premium has not been paid, within the Grace Period, the Policy shall be converted into a reduced Paid-up Policy with the Paid-up Sum Assured (equal to Base Sum Assured at the time of Paid-up multiplied by the total number of premiums paid divided by the original number of premiums payable as per the terms and conditions of the Policy). The Policy shall continue to be in reduced Paid-up status without rider Benefits (if any).","sources":[{"clause":null,"heading":"4.6. Discontinuance of Policy","page":17,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-4-6-discontinuance-of-policy"}],"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 discontinued policy may be revived within three consecutive complete years from the date of the first unpaid premium or expiry of the policy term, whichever is earlier.","display":"Within 3 consecutive complete years from the first unpaid premium, or expiry of policy term if earlier","note":null,"quote":"The Policyholder may revive the Policy within the Revival Period of three consecutive complete years from the date of the first unpaid Premium or expiry of the Policy Term, whichever is earlier.","sources":[{"clause":null,"heading":"4.8. Policy Revival","page":20,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-4-8-policy-revival"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Policy loan facility is not available under this policy.","display":"Not available","note":null,"quote":"Policy Loan facility is not available under this Policy.","sources":[{"clause":null,"heading":"4.4. Policy Loans","page":17,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-4-4-policy-loans"}],"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":["IndusInd Nippon Life Critical Illness Plus Rider","IndusInd Nippon Life Indus CI Plus Rider"],"display":"IndusInd Nippon Life Critical Illness Plus Rider; IndusInd Nippon Life Indus CI Plus Rider","note":"From the sales brochure. One of the above riders can be selected.","quote":"We offer following rider options to help you enhance your protection: ... a) IndusInd Nippon Life Critical Illness Plus Rider This rider provides you with a lump sum benefit on diagnosis of any one of the covered critical illnesses. ... b) IndusInd Nippon Life Indus CI Plus Rider This rider provides you with a lump sum benefit on diagnosis of any one of the covered critical illnesses. However, in case no claim till the end of the rider policy term, you are provided with Return of Premium as maturity benefit. Also, in case of death, the nominee would receive Return of Premium as death benefit under the rider. One of the above Riders can be selected.","sources":[{"clause":"1","heading":"Riders","page":26,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9968#c-1"},{"clause":"1(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9968#c-1-a"},{"clause":"1(b)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9968#c-1-b"}],"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 3 years from the later of issuance, commencement of risk, revival or rider date. Within 3 years it may be questioned for fraud, and for misstatement or suppression of a material fact; for non-fraud misstatement, the premium collected till repudiation is to be paid within 90 days from repudiation.","display":"After 3 yrs, no questioning on any ground; within 3 years for fraud or material misstatement/suppression, with 90 days premium refund for non-fraud repudiation","note":"The policy document says this is a simplified version and advises referring to original Section 45 for complete details.","quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from ... a) the date of issuance of Policy or ... b) the Date of Commencement of Risk or ... c) the date of revival of Policy or ... d) the date of rider to the Policy whichever is later. ... On the ground of fraud, a Policy of Life Insurance may be called in question within 3 years from ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made in the proposal or other document basis which Policy was issued or revived or rider issued. ... In case repudiation is on ground of mis-statement and not on fraud, the premium collected on Policy till the date of repudiation shall be paid to the insured or legal representative or Nominee or assignees of insured, within a period of 90 days from the date of repudiation.","sources":[{"clause":"15","heading":null,"page":48,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-15-2"},{"clause":"15(a)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-15-a"},{"clause":"15(b)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-15-b"},{"clause":"15(c)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-15-c"},{"clause":"15(d)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-15-d"},{"clause":"15(d)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-15-d-2"},{"clause":"15(d)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-15-d-3"}],"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":"Premiums paid under the base policy and rider, if any, may be eligible for tax exemptions, subject to applicable tax laws and conditions, and the policyholder is advised to consult a tax advisor.","display":"Premiums may be eligible for tax exemptions, subject to applicable tax laws and conditions","note":null,"quote":"Premiums paid under the Base Policy and rider, if any, may be eligible for tax exemptions, subject to applicable tax laws and conditions. The Policyholder is advised to consult a tax advisor for extant and applicable tax benefits.","sources":[{"clause":"6.6","heading":"Tax benefit","page":33,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-6-6"}],"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":"If the policy is opted through Insurance Repository, the period is computed from the date of the email informing policy credit in IR.","quote":"You are provided with 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 stipulated in the Policy Document.","sources":[{"clause":null,"heading":"4. Part D 4.1. Free look","page":16,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-4-part-d-4-1-free-look"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly frequency","note":"The value and norm use the non-monthly grace period; monthly premium frequency has 15 days.","quote":"There is a Grace Period of 30 days (15 days for monthly frequency) from the due date of first unpaid premium.","sources":[{"clause":null,"heading":"3.2.6. Grace period for payment of premium","page":15,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-3-2-6-grace-period-for-payment-of-premium"}],"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":"The minimum entry age is 7 years last birthday and the maximum entry age is 60 years last birthday.","display":"7 to 60 years last birthday","note":"From the sales brochure.","quote":"Age at Entry (years) | 7 (last birthday) | 60 (last birthday)","sources":[{"clause":null,"heading":"IndusInd Nippon Life Classic Plan II at a glance","page":6,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9968#c-indusind-nippon-life-classic-plan-ii-at-a-glance"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"conflicting","value":["yearly","half -yearly","monthly"],"display":"Yearly, half-yearly or monthly","note":"The CIS says: \"The Policyholder may pay premiums in yearly, half yearly, quarterly and monthly frequencies.\" The policy wording is treated as higher authority.","quote":"The Policyholder may pay Regular Premiums in yearly, half -yearly or monthly.","sources":[{"clause":null,"heading":"3.2.4. Premium Payment Frequency","page":14,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-3-2-4-premium-payment-frequency"},{"clause":"Row 6","heading":"Options available","page":2,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/10053#c-row-6"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Regular Premium","Single Premium"],"display":"Regular Premium and Single Premium","note":null,"quote":"The Discontinuance Charge under the Regular Premium and Single Premium Policy is as given below:","sources":[{"clause":"5.2.7","heading":"Discontinuance Charge","page":28,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-5-2-7"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"5 consecutive completed years","note":null,"quote":"\"Lock-in-period\" means the period of five consecutive completed years from the Date of Commencement of the Policy, during which period the proceeds of the policies cannot be paid by the Company to the Policyholder or to the Life Assured, as the case may be, except in the case of death or upon the happening of any other contingency covered under the Policy","sources":[{"clause":null,"heading":"Table of Contents","page":7,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-table-of-contents"}],"law":[{"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 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-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 1.22 to 1.24","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)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Life Large Cap Equity Fund - High","Life Equity Fund 3 - High","Life Corporate Bond Fund 1 - Low to Moderate","Life Money Market Fund 1 - Low","Life Pure Equity Fund 2 - High","Make in India Fund - High","Life Balanced Fund 1 - Low to Moderate","Life Midcap Fund 2 - High","Life Viksit Bharat Multifactor 50 Index Fund - High","Life Bharat Value 50 Index Fund - High"],"display":"10 funds: seven high risk equity-oriented funds, two low to moderate funds and one low risk money market fund","note":"Life Balanced Fund 1 is also the fund used for settlement option.","quote":"The Policy offers total ten Fund options as stated below. namely Life Large Cap Equity Fund, Life Equity Fund 3, Life Corporate Bond Fund 1, Life Money Market Fund 1, Life Pure Equity Fund 2, Make in India Fund, Life Balanced Fund 1, Life Midcap Fund 2, Life Viksit Bharat Multifactor 50 Index Fund and Life Bharat Value 50 Index Fund. ... Life Large Cap Equity Fund (SFIN: ULIF07101/12/19LLA RGCAPEQ121) | To generate consistent long-term performance through exposure to predominantly large cap equities with particular focus on companies having demonstrable corporate governance, built-in competitive advantage in their business model and good track record in Financial Performance. Further, We recognize that there is significant probability of negative returns in the short term. The risk appetite is ‘high’. In adverse situations investments in money market securities would be increased to protect policy holders long term interests and returns. | High ... Life Equity Fund 3 (SFIN:ULIF04201/01/1 0LEQUITYF03121) | Provide high real rate of return in the long term through high exposure to equity investments, while recognizing that there is significant probability of negative returns in the short term. The risk appetite is ‘high’ | High ... Life Corporate Bond Fund 1 (SFIN:ULIF02310/06/0 8LCORBOND01121) | Provide returns that exceed the inflation rate, while taking some credit risk (through investments in corporate debt instruments) and maintaining a moderate probability of negative return in the short term. The risk appetite is ‘low to moderate’ | Low to Moderate ... Life Money Market Fund 1 (SFIN:ULIF02910/06/0 8LMONMRKT01121) | Maintain the capital value of all contributions (net of Charges) and all interest additions, at all times. The risk appetite is ‘low’ | Low ... Life Pure Equity Fund 2 (SFIN:ULIF04601/01/1 0LPUEQUTY02121) | The investment objective of the Pure Equity fund is to provide Policyholders high real rate of return in the long term through high exposure to equity investments, while recognizing that there is significant probability of negative returns in the short term. The risk appetite is ‘high’ | High ... Make in India Fund (SFIN:ULIF06924/03/1 5LMAKEINDIA121) | The investment objective of the fund is to provide high return in the long term through exposure to equity investments in the sectors related to industrial activity. The risk appetite is ‘high’ | High ... Life Balanced Fund 1 (SFIN:ULIF00128/07/0 4LBALANCE01121) | The investment objective of the fund is to provide investment returns that exceed the rate of inflation in the long term while maintaining a low probability of negative returns in the short term. The risk appetite is defined as ‘low to moderate’ | Low to Moderate ... Life Midcap Fund 2 (SFIN:ULIF04501/01/1 0LMIDCAPF02121) | Provide potential for higher return in the long term through high exposure to equity investments in Midcap companies, while recognizing that there is significant probability of negative returns in the short term. The risk appetite is ‘high’. | High ... Life Viksit Bharat Multifactor 50 Index | To provide capital appreciation through investment in equities | High ... Life Bharat Value 50 Index Fund (SFIN: ULIF07304/09/26LBH V50INEQ121) | To provide capital appreciation through predominantly investing into equities forming part of Nifty500 Value 50 Index. The risk appetite of fund is “high”. | High","sources":[{"clause":null,"heading":"Table of Contents","page":22,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-table-of-contents-2"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"For non-online regular premium policies, allocation charge is 7.50% in year 1, 5.50% in years 2 to 5, 5.00% in years 6 to 9 and 3.00% from year 10 onwards. Online channel is 5.50%, 3.50%, 3.00% and 2.00% respectively; single premium is 3% other than online and 2% online, and top-up is 2%. Reduced employee allocation charges also apply.","display":"Other than online regular: 7.50%, 5.50%, 5.00%, 3.00%; online regular: 5.50%, 3.50%, 3.00%, 2.00%; single: 3% or 2% online; top-up: 2%","note":"For employees of IndusInd Nippon Life Insurance Company Limited, including employees of any other Company of the IndusInd Group, reduced allocation charges apply.","quote":"The Premium Allocation Charges as a percentage of premiums will be deducted from the premium amount before Allocation of the Units each time the premium is received. The Premium Allocation Charges in respect of Regular Premium policies are stated below: <<Premium Allocation Charge for other than Online Channel:\nPolicy Year | Allocation Charge as % of the Annualized Premium\n1 year | 7.50%\n2nd year to 5th year | 5.50%\n6th year to 9th year | 5.00%\n10th year onwards | 3.00%\nThe Premium Allocation Charge on the Single Premium will be 3% of the Single Premium and Allocation Charge under the Top-up will be 2% of the Top-up Premium. >> <<Premium Allocation Charge for Online Channel\nPolicy Year | Allocation Charge as % of the Annualized Premium\n1 year | 5.50%\n2nd year to 5th year | 3.50%\n6th year to 9th year | 3.00%\n10th year onwards | 2.00%\nThe Premium Allocation Charge on the Single Premium will be 2% of the Single Premium and Allocation Charge under the Top-up will be 2% of the Top-up Premium. >>","sources":[{"clause":null,"heading":"Premium Allocation Charges","page":27,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-premium-allocation-charges"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"Regular premium policies are charged Rs. 40 per month from the 6th policy year till the end of the policy term. Single premium policies are charged Rs. 40 per month for the entire term; charges increase with inflation of 5% p.a. from the 7th year, capped at Rs. 6,000 p.a.","display":"Rs. 40 per month; regular from 6th year, single for entire term; increases 5% p.a. from 7th year, capped at Rs. 6,000 p.a.","note":null,"quote":"Under Regular Premium policies, Rs. 40 per month will be deducted as Policy Administration Charge from 6th Policy Year till the end of the Policy term. Under Single Premium policies, Rs. 40 per month will be deducted as Policy Administration Charge for the entire Policy term. The above Charges will increase with inflation of 5% p.a. from 7th year onwards, subject to maximum of Rs. 6,000 p.a. The monthly Policy Administration Charge will be deducted by cancelling Units at the prevailing NAV per Unit (Unit Price) in advance at the beginning of each month.","sources":[{"clause":null,"heading":"Policy Administration Charge","page":28,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-policy-administration-charge"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"Fund Management Charges are priced in NAV daily. Annual rates are 1.35% for the listed equity funds including Make in India, 1.25% for Life Corporate Bond Fund 1, Life Money Market Fund 1 and Life Balanced Fund 1, and 0.50% for Discontinued Policy Fund.","display":"1.35% p.a. for equity/Make in India funds; 1.25% p.a. for corporate bond, money market and balanced funds; 0.50% p.a. for Discontinued Policy Fund","note":null,"quote":"Fund Management Charges will be priced in the NAV per Unit (Unit Price) of each Fund on a daily basis.\nFund Name | Annual Rate\nLife Large Cap Equity Fund (SFIN: ULIF07101/12/19LLARGCAPEQ121) | 1.35%\nLife Equity Fund 3 (SFIN:ULIF04201/01/10LEQUITYF03121) | 1.35%\nLife Pure Equity Fund 2 (SFIN:ULIF04601/01/10LPUEQUTY02121) | 1.35%\nLife Midcap Fund 2 (SFIN:ULIF04501/01/10LMIDCAPF02121) | 1.35%\nLife Viksit Bharat Multifactor 50 Index Fund (SFIN: ULIF07216/03/26LMULTCAPEQ121) | 1.35%\nLife Bharat Value 50 Index Fund (SFIN: ULIF07304/09/26LBHV50INEQ121) | 1.35%\nLife Corporate Bond Fund 1 (SFIN:ULIF02310/06/08LCORBOND01121) | 1.25%\nLife Money Market Fund 1 (SFIN:ULIF02910/06/08LMONMRKT01121) | 1.25%\nLife Balanced Fund 1 (SFIN:ULIF00128/07/04LBALANCE01121) | 1.25%\nMake in India Fund (SFIN:ULIF06924/03/15LMAKEINDIA121) | 1.35%\nDiscontinued Policy Fund (SFIN: ULIF05703/09/10DISCPOLF01121) | 0.50%","sources":[{"clause":null,"heading":"Fund Management Charge (FMC)","page":28,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-fund-management-charge-fmc"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality charge is deducted from Base Premium and Top-up Premium fund value. It varies by amount of life insurance cover, attained age, occupation, health and fund value, and is deducted monthly in advance by cancellation of units using 1/12th of the mortality rates; standard rates per Rs. 1000 sum at risk are in Annexure B.","display":"Monthly in advance by unit cancellation, based on 1/12th of mortality rates per Rs. 1000 Sum at risk","note":null,"quote":"This charge will be deducted from the Fund Value under the Base Premium and Top-up Premium/s. The Mortality Charges will vary depending on, the Amount of life insurance cover along with attained Age, occupation, health of the Life Assured and prevailing Fund Value. The Mortality Charges will be deducted by cancellation of Units at the prevailing NAV per Unit (Unit Price), in advance on a monthly basis at the beginning of each Policy month using 1/12th of the mortality rates. The standard Mortality Charge/rates per 1000 Sum at risk under this Policy are as provided in Annexure B of this Policy Document. Mortality charge will be different for substandard lives.","sources":[{"clause":null,"heading":"Mortality Charge","page":27,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-mortality-charge"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"quote-verified","value":"If discontinued in policy year 1 to 4, charges apply by annualized premium or single premium band; from year 5 and above the charge is Nil. For regular AP up to Rs. 50,000 the maximums are Rs.3,000, Rs.2,000, Rs.1,500 and Rs.1,000 in years 1 to 4; for AP over Rs. 50,000 the maximums are Rs.6,000, Rs.5,000, Rs.4,000 and Rs.2,000; for single premium bands the same table applies, and there are no discontinuance charges on top-ups.","display":"Years 1-4: table-based lower of percentage of AP/SP or FV with rupee caps; 5 and above: Nil; no top-up discontinuance charge","note":null,"quote":"The Discontinuance Charge under the Regular Premium and Single Premium Policy is as given below:\nThe Policy Year during which the Policy is discontinued | Discontinuance charge if the Annualized Premium is less than or equal to Rs. 50,000 | Discontinuance charge if the Annualized Premium is greater than Rs. 50,000 | Discontinuance | Discontinuance charge for the policies having Single Premium is greater than Rs 3,00,000\ncharge for the policies having Single Premium\nup to | Rs\n3,00,000 ... 1 | Lower of 20% of ( AP or FV ), subject to a maximum of Rs.3,000 | Lower of 6% of (AP or FV), subject to a maximum of Rs.6,000 | Lower of 2% of (SP or FV), subject to a maximum of Rs.3,000 | Lower of 1% of (SP or FV), subject to a maximum of Rs. 6,000 ... 2 | Lower of 15% of ( AP or FV ), subject to a maximum of Rs.2,000 | Lower of 4% of (AP or FV), subject to a maximum of Rs.5,000 | Lower of 1.5% of (SP or FV), subject to a maximum of Rs.2,000 | Lower of 0.70% of (SP or FV), subject to a maximum of Rs. 5,000 ... 3 | Lower of 10% of ( AP or FV ), subject to a maximum of Rs.1,500 | Lower of 3% of (AP or FV), subject to a maximum of Rs.4,000 | Lower of 1% of (SP or FV), subject to a maximum of Rs.1,500 | Lower of 0.50% of (SP or FV), subject to a maximum of Rs. 4,000 ... 4 | Lower of 5% of ( AP or FV ), subject to a maximum of Rs.1,000 | Lower of 2% of (AP or FV), subject to a maximum of Rs.2,000 | Lower of 0.5% of (SP or FV), subject to a maximum of Rs.1,000 | Lower of 0.35% of (SP or FV), subject to a maximum of Rs. 2,000\n5 and above | Nil | Nil | Nil | Nil ... Where AP is the Annualized Premium, SP is Single Premium and FV is the Fund Value. There are no Discontinuance Charges under Top-up Premiums.","sources":[{"clause":"5.2.7","heading":"Discontinuance Charge","page":28,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-5-2-7"},{"clause":"Row 1","heading":"Lower of 20% of ( AP or FV ), subject to a maximum of Rs.3,000","page":29,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-row-1-3"},{"clause":"Row 2","heading":"Lower of 15% of ( AP or FV ), subject to a maximum of Rs.2,000","page":29,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-row-2-2"},{"clause":"Row 3","heading":"Lower of 10% of ( AP or FV ), subject to a maximum of Rs.1,500","page":29,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-row-3"},{"clause":"Row 4","heading":"Lower of 5% of ( AP or FV ), subject to a maximum of Rs.1,000","page":29,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-row-4"},{"clause":"5.2.7","heading":"Discontinuance Charge","page":29,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-5-2-7-2"}],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"The policyholder gets 52 free switches each policy year, with unused free switches not carried forward. Partial withdrawals from Base Fund Value are available only after completion of five policy anniversaries and from Top-up Fund Value after five years from the relevant top-up, provided the life assured is 18; two partial withdrawals per year are free, later withdrawals cost Rs. 100 each, with minimum Rs. 5,000 and maximum 20% of Total Fund Value in a policy year.","display":"52 free switches per policy year; partial withdrawals after 5 policy anniversaries or 5 years from top-up, 2 free per policy year, then Rs. 100; min Rs. 5,000, max 20% of Total Fund Value","note":"After partial withdrawal, the minimum fund balance must be at least 125% of Annualized Premium or 50% of Single Premium.","quote":"The Policyholder is entitled to fifty two (52) free switches each Policy Year. Any unused free switches in a Policy Year cannot be carried forward to a following Policy Year. ... Partial Withdrawals from the Base Fund Value are available only after the completion of five Policy Anniversaries provided the Life Assured is 18 years of age. Partial Withdrawals from the Top-up Fund Value are available only after completion of five years from the date of payment of the respective Top-up Premium provided the Life Assured is 18 years of age. Two Partial Withdrawals in a Policy Year are free. On every subsequent Partial Withdrawal, a Partial Withdrawal Charge of Rs. 100 will be deducted each time from the Fund withdrawn. Any unutilized Partial Withdrawal cannot be carried forward to another Policy year. The minimum amount of Partial Withdrawal is Rs. 5,000 and the maximum Partial Withdrawal in a Policy Year shall not exceed 20% of the Total Fund Value at the time of withdrawal.","sources":[{"clause":null,"heading":"4.9. Switching","page":21,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-4-9-switching"},{"clause":null,"heading":"4.5. Partial Withdrawal","page":17,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983#c-4-5-partial-withdrawal"}],"law":[]}],"documents":[{"kind":"wording","label":"121L085V05_INL Classic Plan II_Sample Policy Document","pages":50,"fetched_at":"2026-10-17 19:40:18+00","source_url":"https://www.indusindnipponlife.com/documents/34625/224934/Sample+Policy+Document_INL+Classic+Plan+II_121L085V05.pdf","url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9983"},{"kind":"cis","label":"121L085V05_INL Classic Plan II_Sample CIS","pages":7,"fetched_at":"2026-10-17 19:41:34+00","source_url":"https://www.indusindnipponlife.com/documents/34625/224932/Sample+Customer+Information+Sheet_INL+Classic+Plan+II_121L085V05.pdf","url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/10053"},{"kind":"brochure","label":"IndusInd Nippon Life Classic Plan II","pages":35,"fetched_at":"2026-10-17 19:40:01+00","source_url":"https://www.indusindnipponlife.com/documents/34625/224960/Brochure_INL+Classic+Plan+II_121L085V05.pdf","url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05/document/9968"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd Nippon Life Insurance official website","url":"https://www.indusindnipponlife.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":"Claims","url":"https://www.indusindnipponlife.com/claims","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","url":"https://www.indusindnipponlife.com/grievance-redressals","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."}],"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":"IndusInd Nippon Life Classic Plan II (UIN 121L085V05), IndiaInsurances, https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-classic-plan-ii-121l085v05"}