{"uin":"121N149V02","name":"IndusInd Nippon Life Super Suraksha Plus","url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02","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":"term-life","category_name":"Term life","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"IndusInd Nippon Life Super Suraksha Plus is a non-linked, non-participating individual pure risk/savings life insurance plan with Life and Life Plus variants. It provides death benefit during the policy term, and Life Plus pays 100% of total premiums paid on maturity while Life has no maturity benefit.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:49:48.459873+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":["Plan variant 1 - Life","Plan variant 2 - Life Plus"],"display":"Plan variant 1 - Life; Plan variant 2 - Life Plus","note":"Life Plus also provides maturity benefit if the Life Assured survives till maturity.","quote":"Plan variant 1 - Life: Under this plan variant, in case of death of the Life Assured during the policy term, provided the policy is in force, the death benefit shall be payable to the nominee and the policy shall terminate. ... Plan variant 2 - Life Plus: Under this plan variant, in case of death of the Life Assured during the policy term, provided the policy is in force, the death benefit shall be payable to the nominee and the policy shall terminate.","sources":[{"clause":null,"heading":"Plan Variants","page":3,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-plan-variants"},{"clause":null,"heading":"Sample Illustration","page":3,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-sample-illustration"}],"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 Pay: minimum 20 years. Limited Pay: PPT + 10 years, subject to minimum of 20 years. Maximum policy term is 50 years, subject to maximum maturity age.","display":"Regular Pay: 20 years; Limited Pay: PPT + 10 years, subject to minimum 20 years; maximum 50 years subject to maximum maturity age","note":"From the sales brochure.","quote":"Policy Term (years) | Regular Pay: 20 years Limited Pay: PPT + 10 years (Subject to minimum of 20 years) | 50 years Subject to maximum maturity age","sources":[{"clause":null,"heading":"Eligibility Criteria","page":3,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-eligibility-criteria"}],"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 brochure refers to claim registration date for InstaPayout but does not state a deadline for claim intimation.","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":"not-stated","value":null,"display":null,"note":"The brochure says InstaPayout is subject to mandatory documents being submitted, but it does not list the claim documents.","quote":null,"sources":[],"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":"InstaPayout of ₹ 1 Lakhs is paid within 2 working days from claim registration date if all mandatory documents are submitted. The remaining Death Benefit is payable at the time of claim settlement once the death claim is approved.","display":"InstaPayout of ₹ 1 Lakhs within 2 working days from claim registration date; remaining Death Benefit at claim settlement once approved","note":"No final claim settlement deadline is printed in the brochure.","quote":"an accelerated benefit of ₹ 1 Lakhs shall be paid out of the Death Benefit within 2 working days from claim registration date provided all mandatory documents are submitted. The remaining amount of the Death Benefit shall be payable at the time of claim settlement by the Company, once the death claim is approved.","sources":[{"clause":null,"heading":"InstaPayout on Claim Intimation","page":7,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-instapayout-on-claim-intimation"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["In case of death of life assured due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to 80% of the total premiums paid till date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in-force and the policy will terminate."],"display":"Suicide within 12 months: 80% of total premiums paid till date of death or surrender value available as on the date of death, whichever is higher, provided policy is in-force; policy terminates","note":null,"quote":"In case of death of life assured due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to 80% of the total premiums paid till date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in-force and the policy will terminate.","sources":[{"clause":"5","heading":"Suicide exclusion","page":14,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-5"}],"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":"Complain to the company by email at customerservice@indusindnipponlife.com, by writing to the registered/corporate office addresses, or by contacting the nearest branch customer service executive. The brochure also refers to the Grievance Redressal page on the company website.","display":"Email customerservice@indusindnipponlife.com, write to the company offices, or contact the nearest branch customer service executive","note":null,"quote":"You can contact the company by sending an email at customerservice@indusindnipponlife.com or by writing to us at our:\nRegistered & Corporate Office address: 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; OR Contact Our Customer Service Executive at Your nearest branch of the Company. For more details please visit Grievance Redressal page on our website: www.indusIndnipponlife.com/querygrievance-redressal","sources":[{"clause":"8","heading":"Grievance Redressal Process","page":15,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-8"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Minimum Sum Assured is ₹50,00,000. Maximum is no limit, subject to BAUP.","display":"₹50,00,000 minimum; no limit, subject to BAUP","note":"From the sales brochure.","quote":"Sum Assured | ₹50,00,000 | No Limit, subject to BAUP","sources":[{"clause":null,"heading":"Eligibility Criteria","page":3,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-eligibility-criteria"}],"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":"On death of the Life Assured during the policy term while the policy is in force, the claimant receives the higher of Sum Assured on Death and 105% of total premiums paid as on date of death. Sum Assured on Death is the higher of Base Sum Assured and 11 times the applicable annualized premium; payout can be lump sum, monthly income for 120 months, or a lump sum and income combination.","display":"Higher of Sum Assured on Death or 105% of total premiums paid; Sum Assured on Death is higher of Base Sum Assured or 11 times annualized premium","note":"Death benefit is payable provided the policy is in force. Default payout is lump sum if no payout option is selected.","quote":"Death Benefit is higher of:\n• Sum Assured on Death\n• 105% of the Total Premiums Paid as on date of death of Life Assured\nWhere, Sum Assured on Death is equal to higher of Base Sum Assured or 11 times the applicable Annualized Premium. ... The Claimant(s) will have the option to choose from one of the following payout options at the time of claiming the Death Benefit under the Base policy. ... b. Income Pay-out Option: Under this option the Death Benefit amount less InstaPayout on Claim, if any, shall be paid as Monthly Income payment for a fixed period of 120 months","sources":[{"clause":null,"heading":"Benefits in Detail Death Benefit","page":6,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-benefits-in-detail-death-benefit"},{"clause":null,"heading":"Death Benefit Payout Option","page":6,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-death-benefit-payout-option"}],"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":"Life Plus pays Sum Assured on Maturity equal to 100% of Total Premiums Paid on survival till the end of the policy term, provided the policy is in force. Life variant has no maturity benefit.","display":"Life Plus: 100% of Total Premiums Paid; Life: no maturity benefit","note":null,"quote":"On survival of the Life Assured till the end of the policy term, provided the policy is in force, the Sum Assured on Maturity which is equal to 100% of Total Premiums Paid shall be payable. ... No maturity benefit is payable under this variant of the policy.","sources":[{"clause":null,"heading":"For Life Plus variant","page":7,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-for-life-plus-variant"},{"clause":null,"heading":"For Life Variants","page":7,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-for-life-variants"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Limited premium payment terms are 5, 7, 10, 15 and 20 years, or premiums can be paid throughout the policy term. PPT 20 is only available under Life Plus variant for limited pay policies.","display":"Limited pay: 5, 7, 10, 15 and 20 years; or throughout the policy term","note":"Variant 1 Life limited pay is 5, 7, 10 and 15 years; Variant 2 Life Plus limited pay is 5, 7, 10, 15 and 20 years.","quote":"Flexible Premium Payment Terms: Pay premiums for a limited period of 5, 7, 10, 15 and 20 years, or throughout the policy term. ... *PPT 20 is only available under Life Plus variant for Limited Pay policies.","sources":[{"clause":null,"heading":"Key benefits of IndusInd Nippon Life Super Suraksha Plus","page":2,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-key-benefits-of-indusind-nippon-life-super-surak"},{"clause":null,"heading":"Other Features","page":9,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-other-features"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum maturity age is 85 years for Variant 1 and 75 years for Variant 2.","display":"Variant 1: 85 years; Variant 2: 75 years","note":"From the sales brochure. Ages are based on age on last birthday.","quote":"Maturity Age1 (years) | 38 Years | Variant 1: 85 years Variant 2: 75 years","sources":[{"clause":null,"heading":"Eligibility Criteria","page":3,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-eligibility-criteria"}],"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 the life assured dies due to suicide within 12 months from commencement of risk or revival, the nominee or beneficiary is entitled to 80% of total premiums paid till date of death or the surrender value available on the date of death, whichever is higher, provided the policy is in force; the policy terminates.","display":"Within 12 months: 80% of total premiums paid till date of death or surrender value available on date of death, whichever is higher","note":null,"quote":"In case of death of life assured due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to 80% of the total premiums paid till date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in-force and the policy will terminate.","sources":[{"clause":"5","heading":"Suicide exclusion","page":14,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-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":"Life variant policies do not acquire any surrender value, though limited pay Life policies may receive Early Exit Value after the Nil Exit Period. Life Plus acquires surrender value after completion of the first policy year provided one full year premium has been paid; the surrender value is the higher of GSV and SSV.","display":"Life: no surrender value; Life limited pay: Early Exit Value after Nil Exit Period; Life Plus: surrender value after first Policy Year with one full year premium, higher of GSV and SSV","note":"For Life limited pay, Nil Exit Period is 3 years for PPT 5 or 7, 5 years for PPT 10, and 6 years for PPT 15.","quote":"For Life Variant The policies under this variant does not acquire any Surrender Value.\n• For Life Plus Variant The Policy shall acquire a Surrender Value after completion of first Policy Year provided one full year premium has been paid. The Surrender Value payable during the Policy Term is higher of [Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV)] ... For limited pay policies under Life variant, an Early Exit Value is payable if a policyholder wants to voluntary terminate his policy after the Nil Exit Period, provided all due premiums have been paid in full till the Nil Exit Period. ... Premium Paying Term (in years) | Nil Exit Period (in years)\n5 | 3\n7 | 3\n10 | 5\n15 | 6","sources":[{"clause":null,"heading":"Surrender Benefit","page":11,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-surrender-benefit"},{"clause":null,"heading":"Early Exit Value","page":12,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-early-exit-value"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 policy in lapsed or paid-up status can be revived within five years from the due date of the first unpaid premium, but before the policy maturity date, by paying arrears of premiums with applicable interest and subject to underwriting.","display":"Within five years from the due date of first unpaid premium, before maturity","note":"The brochure states the revival interest rate for FY 25-26 is 7.00% p.a. compounded yearly.","quote":"A policy in lapsed or Paid up status can be revived within the revival period of five years from the due date of first unpaid premium, but before the policy maturity date. The base plan along with rider benefits, if any can be revived by paying the arrears of premiums along with applicable interest. ... The revival of the policy and riders, if any, will be subject to company’s Board Approved Underwriting Policy.","sources":[{"clause":null,"heading":"Early Exit Value","page":12,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-early-exit-value"}],"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 is not available under this plan.","display":"Not available","note":null,"quote":"Policy Loan Policy Loan is not available under this plan.","sources":[{"clause":null,"heading":"Other Features","page":9,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-other-features"}],"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 Accidental Death Benefit Rider (UIN:121B032V03)","IndusInd Nippon Life Accidental Death and Disability Rider (UIN:121B017V03)","IndusInd Nippon Life Accidental Death and Disability Plus Rider (UIN:121B016V03)","IndusInd Nippon Life Critical Illness Rider (UIN:121B018V02)"],"display":"Accidental Death Benefit; Accidental Death and Disability; Accidental Death and Disability Plus; Critical Illness","note":"IndusInd Nippon Life Accidental Death and Disability Plus Rider is not available if Enhanced Coverage Benefit Option is opted.","quote":"For enhanced protection, the following riders can be purchased with this policy by paying additional premiums:\nAccidental Rider (any one from the below):\n•IndusInd Nippon Life Accidental Death Benefit Rider (UIN:121B032V03)\n•IndusInd Nippon Life Accidental Death and Disability Rider (UIN:121B017V03)\n•IndusInd Nippon Life Accidental Death and Disability Plus Rider (UIN:121B016V03) Critical Illness Rider:\n•IndusInd Nippon Life Critical Illness Rider (UIN:121B018V02)","sources":[{"clause":null,"heading":"Other Features","page":9,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-other-features"}],"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":"After expiry of three years from the later of policy issuance, commencement of risk, revival or rider date, the life insurance policy cannot be called in question on any ground whatsoever. Within three years, it may be called in question on grounds of fraud or material misstatement/suppression, with written communication of grounds and materials.","display":"After 3 years, no policy of life insurance shall be called in question on any ground whatsoever","note":null,"quote":"No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e., from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later. ... A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground of fraud: Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision is based. ... A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made","sources":[{"clause":"12","heading":"Section 45 of the Insurance Act, 1938, as amended from time to time","page":15,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-12"}],"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 plan and riders may be eligible for tax exemptions, subject to applicable tax laws and conditions. The brochure says income tax benefits are as per prevailing income tax laws, subject to amendments, and advises consulting a tax expert.","display":"Premiums may be eligible for tax exemptions, subject to applicable tax laws and conditions","note":null,"quote":"Premiums paid under IndusInd Nippon Life Super Suraksha Plus and rider(s) opted for, if any, may be eligible for tax exemptions, subject to the applicable tax laws and conditions. Income tax benefits under this plan and rider benefits, if any, shall be applicable as per the prevailing income tax laws and are subject to amendments from time to time. Kindly consult a tax expert.","sources":[{"clause":"2","heading":"Tax benefit","page":14,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-2"}],"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":"7","heading":"Free look period","page":14,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#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 (15 days for monthly frequency)","note":"15 days applies for monthly frequency.","quote":"If you are unable to pay your premium by the due date, you will be given a grace period of 30 days (15 days for monthly frequency). The policy shall remain in-force during the grace period.","sources":[{"clause":null,"heading":"Other Features","page":9,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-other-features"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 18 years. Maximum entry age is 60 years for Variant 1 and 55 years for Variant 2.","display":"18 years minimum; Variant 1: 60 years maximum; Variant 2: 55 years maximum","note":"From the sales brochure. Ages are based on age on last birthday.","quote":"Entry Age1 (years) | 18 Years | Variant 1: 60 years Variant 2: 55 years ... 1All the references to age are based on age on last birthday.","sources":[{"clause":null,"heading":"Eligibility Criteria","page":3,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-eligibility-criteria"}],"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":["Yearly","Half-yearly","Quarterly","Monthly"],"display":"Yearly, Half-yearly, Quarterly, Monthly","note":"Quarterly and monthly frequencies are allowed only if premiums are paid electronically.","quote":"You have an option to pay premiums either yearly, half-yearly, quarterly or monthly. Quarterly and monthly frequencies are allowed only if the premiums are paid electronically, like through ECS/NACH or online payment.","sources":[{"clause":null,"heading":"Other Features","page":9,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-other-features"}],"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 Pay","Regular Pay"],"display":"Limited Pay and Regular Pay","note":"No single premium option is stated.","quote":"Premium Payment Term (PPT) (years) | Variant 1 Life: | Limited Pay: 5,7,10 and 15 Years Regular Pay\nVariant 2 Life Plus: | Limited Pay: 5,7,10,15 and 20 Year Regular Pay","sources":[{"clause":null,"heading":"Eligibility Criteria","page":3,"url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996#c-eligibility-criteria"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"brochure","label":"IndusInd Nippon Life Super Suraksha Plus","pages":17,"fetched_at":"2026-10-17 19:40:26+00","source_url":"https://www.indusindnipponlife.com/documents/34625/224960/INL+Super+Suraksha+Plus+Brochure_121N149V02.pdf","url":"https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02/document/9996"}],"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 Super Suraksha Plus (UIN 121N149V02), IndiaInsurances, https://indiainsurances.com/policy/indusind-nippon-life-insurance/indusind-nippon-life-super-suraksha-plus-121n149v02"}