{"uin":"122N138V03","name":"Aviva Saral Pension","url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03","insurer":{"slug":"aviva-life-insurance","name":"Aviva Life Insurance Company India Limited","url":"https://indiainsurances.com/insurer/aviva-life-insurance"},"line":"life","category":"pension-annuity","category_name":"Pension and annuity","irdai_type":"Product","kind":"product","status":"active","approved_on":"2021-05-19","withdrawn_on":null,"summary":"Aviva Saral Pension is a whole-life immediate annuity with life and joint-life return-of-purchase-price options. It has a 30-day free-look period, loan after six months, and surrender after six months only on specified critical illness.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:11:30.792797+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":"Whole Life Annuity Plan.","display":"Whole Life Annuity Plan","note":null,"quote":"Policy Term Whole Life Annuity Plan","sources":[{"clause":"Row 4","heading":"Basic Policy details","page":1,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2060#c-row-4"}],"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":"Intimation of death along with the death certificate must be notified in writing within 90 days from the date of death to the office where the policy is serviced. Delay in intimation of a genuine claim may be condoned on merit where the delay is proved to be for reasons beyond the claimant's control.","display":"Death intimation with death certificate within 90 days from the date of death","note":null,"quote":"Intimation of death along with death certificate must be notified within 90 days from the date of death, in writing to the office of the Company where the policy is serviced for any claim to be admissible. However, delay in intimation of the genuine claim by the claimant, may be condoned by the Company, on merit and where delay is proved to be for reasons beyond his/her control.","sources":[{"clause":"5(b)","heading":"On death of the Annuitant(s)","page":7,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-5-b-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["claim form, as prescribed by the Company","original policy document","NEFT mandate from the claimant for direct credit of the claim amount","KYC of nominee/survivor annuitant (in case of joint life)","Death certificate duly issued by authority","proof of age of the Annuitant, if the age is not admitted","discharge form","evidence of critical illnesses as per Annexure 4 to the policy document"],"display":"Claim form, original policy document, NEFT mandate, KYC, death certificate, age proof if not admitted; for surrender, discharge form and critical-illness evidence","note":null,"quote":"The documents which the claimants shall submit while lodging the claim in case of death of the Annuitant / Primary Annuitant / Secondary Annuitant shall be the claim form, as prescribed by the Company, accompanied with original policy document, NEFT mandate from the claimant for direct credit of the claim amount, if any to the bank account, KYC of nominee/survivor annuitant (in case of joint life), Death certificate duly issued by authority, whichever is applicable, to the satisfaction of the Company. If the age is not admitted under the policy, the proof of age of the Annuitant shall also be submitted. ... In case of surrender of a policy, the Annuitant shall submit the discharge form along with the original policy document, evidence of critical illnesses as per Annexure 4 to the policy document, NEFT mandate from the claimant for direct credit of the claim amount to the bank account besides proof of age, if the age is not admitted earlier.","sources":[{"clause":"5(b)","heading":"On death of the Annuitant(s)","page":7,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-5-b-2"},{"clause":"5(c)","heading":"On Surrender","page":7,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-5-c"}],"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":"Death claims are to be settled within 15 days from intimation, except cases warranting investigation, which are within 45 days from intimation. Surrender and partial withdrawal are within 7 days of receipt of request, and maturity, survival, annuity payouts and income benefits are on the due date.","display":"Death claim: 15 days from intimation; investigation: 45 days from intimation; surrender: 7 days from request; annuity payouts: on due date","note":null,"quote":"Turn Around Time (TAT) for claims settlement: a. Death claim, except in cases warranting investigation - Within 15 days from the date of intimation of claim. b. Death claim warranting investigation - Within 45 days from the date of intimation of claim. c. Surrender, Partial Withdrawal - Within 7 days of receipt of request. d. Maturity Benefits, Survival Benefits, Annuity Payouts, Income Benefits etc. - On due date.","sources":[{"clause":null,"heading":"Aviva Saral Pension","page":1,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2060#c-aviva-saral-pension-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":["Not Applicable"],"display":"Not Applicable","note":null,"quote":"9 | Exclusions (events where insurance coverage is not payable), if any | Not Applicable","sources":[{"clause":null,"heading":"Aviva Saral Pension","page":1,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2060#c-aviva-saral-pension-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":"For a policy query, complaint or grievance, first contact Aviva by phone, email, branch, advisor or customer services. If there is no response or the response is not satisfactory, contact the Grievance Redressal Officer at the head office, by phone or by email.","display":"Contact Aviva first; if no response or not satisfied, contact the Grievance Redressal Officer","note":null,"quote":"For any query, complaint or grievance relating to the Policy You can: i call Us at 1800-103-7766 / 1800-180-2266; or ii email Us at: complaints@avivaindia.com; or iii approach any of Our branch offices; or iv contact Your advisor; or v contact Our customer services group at Our address specified in the Schedule. ... If You do not receive any response or are not satisfied with the response, You may contact Grievance Redressal Officer (GRO) at\na) Head Office: Aviva Life Insurance Company India Limited, 401-A, 4th Floor, Block-A, DLF Cyber Park, Sector-20, NH-8, Gurugram, Haryana-122016;or\nb) Call at 0124-2709046, or\nc) Email: gro@avivaindia.com","sources":[{"clause":"1","heading":"Grievance Redressal Mechanism of the Company","page":9,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-1-5"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Sum assured on death and sum assured on maturity are not applicable.","display":"Sum Assured on Death: Not Applicable; Sum Assured on Maturity: Not Applicable","note":null,"quote":"Sum Assured on Death Not Applicable Sum Assured on Maturity Not Applicable","sources":[{"clause":"Row 4","heading":"Basic Policy details","page":1,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2060#c-row-4"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"For life annuity with return of 100% of purchase price, annuity ceases on the annuitant's death and the purchase price is payable to nominees or legal heirs. For joint life last survivor annuity, 100% of the annuity continues after the first death while one annuitant is alive, and on death of the last survivor annuity ceases and the purchase price is payable to nominees or legal heirs.","display":"Single life: annuity ceases and purchase price is paid; joint life: 100% annuity continues after first death, and purchase price is paid on last survivor's death","note":null,"quote":"On death of the Annuitant, the annuity payment shall cease immediately. The Purchase Price shall be payable to nominee(s) / legal heirs. ... On first death (of either of the covered lives): 100% of the annuity amount shall continue to be paid as long as one of the Annuitants is alive. On death of the last survivor: The annuity payments will cease immediately. The Purchase Price shall be payable to the Nominee(s) / legal heirs.","sources":[{"clause":"1","heading":"Benefits payable on Survival or on Death","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-1-2"}],"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":"There is no maturity benefit under this policy.","display":"No maturity benefit","note":null,"quote":"Maturity Benefit: There is no maturity benefit under this policy.","sources":[{"clause":"1","heading":"Benefits payable on Survival or on Death","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-1-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Not Applicable.","display":"Not Applicable","note":"The CIS treats premium payment term as not applicable for this annuity.","quote":"Premium Payment Term Not Applicable","sources":[{"clause":"Row 4","heading":"Basic Policy details","page":1,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2060#c-row-4"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"There is no fixed maturity age; the annuity is for whole life and payments are made as long as the annuitant is alive.","display":"Whole life; annuity payments for as long as the annuitant is alive","note":null,"quote":"Annuity Payments will be made in arrears for as long as Annuitant is alive, as per the chosen mode of annuity payment ... Maturity Benefit: There is no maturity benefit under this policy.","sources":[{"clause":"1","heading":"Benefits payable on Survival or on Death","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-1-2"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy can be surrendered any time after six months from commencement if the annuitant, primary annuitant, secondary annuitant, spouse or any child of the annuitant is diagnosed with a listed critical illness. On approval, 95% of the purchase price is paid, after deducting any outstanding loan and loan interest, and the policy terminates.","display":"After 6 months on specified critical illness; 95% of Purchase Price less outstanding loan and loan interest","note":null,"quote":"The policy can be surrendered any time after six months from the date of commencement, if the annuitant / primary annuitant /secondary annuitant, or spouse or any of the children of the annuitant is diagnosed as suffering from any of the critical illnesses as defined Annexure 4 to the policy document, based on the documents produced to the satisfaction of the medical examiner of the Company. On approval of the surrender, 95% of the Purchase Price shall be paid to the annuitant, subject to deduction of any outstanding loan amount and loan interest, if any. On payment of the surrender value, the policy stands terminated. For the purpose of surrender value calculation, the Purchase Price excludes taxes, if any.","sources":[{"clause":"3","heading":"Surrender","page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-3-2"}],"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":"Not Applicable.","display":"Not Applicable","note":null,"quote":"13 | Lapse, paid-up and revival of the Policy | Not Applicable","sources":[{"clause":null,"heading":"Aviva Saral Pension","page":1,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2060#c-aviva-saral-pension-2"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Not Applicable.","display":"Not Applicable","note":null,"quote":"13 | Lapse, paid-up and revival of the Policy | Not Applicable","sources":[{"clause":null,"heading":"Aviva Saral Pension","page":1,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2060#c-aviva-saral-pension-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"A loan can be availed any time after six months from the date of commencement. The maximum loan is set so that effective annual loan interest does not exceed 50% of annual annuity; under joint life, the primary annuitant can take the loan and after the primary annuitant's death the secondary annuitant can take it.","display":"Available after 6 months; loan interest must not exceed 50% of annual annuity","note":null,"quote":"Loan can be availed any time after six months from the date of commencement of the policy. Maximum amount of loan that can be granted under the policy shall be such that the effective annual interest amount payable on loan does not exceed 50% of the annual annuity amount payable under the policy. ... Under joint life option, the loan can be availed by the primary annuitant and on death of the primary annuitant, it can be availed by the secondary annuitant. The interest on loan shall be calculated as the Average Annualized 10-year benchmark G-Sec yield (over last 6 months & rounded up to the nearest 50 bps) + 2%","sources":[{"clause":"4","heading":"Loan","page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-4-2"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":"The CIS states riders opted are not applicable, but it does not state what riders are available for purchase.","quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after 3 years from the later of issuance, commencement of risk, revival or rider date. On the ground of fraud, a policy may be called in question within 3 years and the insurer must communicate the grounds and materials in writing.","display":"Cannot be questioned after 3 years; fraud may be questioned within 3 years with written grounds and materials","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 years from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) 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\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy whichever is later. For this, the insurer should communicate in writing to the insured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based.","sources":[{"clause":"Annexure 1","heading":null,"page":11,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-annexure-1"},{"clause":"1","heading":null,"page":11,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-1-6"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Tax benefits may be available as per prevailing tax laws.","display":"Tax benefits may be available as per prevailing tax laws","note":"From the sales brochure.","quote":"Tax benefits may be available as per prevailing tax laws","sources":[{"clause":null,"heading":"Enjoy Tax Benefits","page":2,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2135#c-enjoy-tax-benefits"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"The Policyholder has a free look period of thirty (30) days from the date of receipt of the policy document, to review the terms and conditions of the policy and where the policyholder disagrees to any of those terms and conditions, the policy holder has the option to return the policy to the Company for cancellation","sources":[{"clause":"5(a)","heading":"This","page":5,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-5-a"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"not-applicable","value":null,"display":null,"note":"This is a single-premium immediate annuity, so there is no missed regular premium due date to which a grace period can apply.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 40 years and maximum entry age is 80 years. QROPS has minimum entry age 55 years; policies solicited via POSPs show maximum 70 years.","display":"40 years to 80 years","note":"From the sales brochure for the main entry ages. QROPS minimum entry age is 55 years; POSP-solicited policies show maximum entry age 70 years.","quote":"Entry Age (Last birthday in years) | Minimum: 40 years, Maximum: 80 years ... Minimum entry age for annuity payment shall be 55 years of age (last birthday) ... Entry Age (last birthday in years) | Minimum: 40 years (55 years for QROPS) Maximum: 70 years last birthday {For policies solicited via POSPs}","sources":[{"clause":null,"heading":"Aviva Saral Pension – Plan at a Glance","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2135#c-aviva-saral-pension-plan-at-a-glance"},{"clause":"1","heading":"Benefits payable on Survival or on Death","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-1-2"},{"clause":null,"heading":"Plan at a Glance","page":2,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2133#c-plan-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":"quote-verified","value":["Single"],"display":"Single","note":"From the sales brochure.","quote":"Premium Payment Frequency | Single","sources":[{"clause":null,"heading":"Aviva Saral Pension – Plan at a Glance","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2135#c-aviva-saral-pension-plan-at-a-glance"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Premium"],"display":"Single Premium","note":"From the sales brochure.","quote":"Premium Payment Term | Single Premium, being the purchase price for annuity","sources":[{"clause":null,"heading":"Aviva Saral Pension – Plan at a Glance","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2135#c-aviva-saral-pension-plan-at-a-glance"}],"law":[]},{"key":"annuity_options","label":"Annuity options","section":"Cover","meaning":"Life annuity, joint life, return of purchase price, increasing annuity...","status":"quote-verified","value":["Life Annuity with Return of 100% of Purchase Price","Joint Life Last Survivor Annuity with Return of 100% of Purchase Price (ROP) on death of the last survivor."],"display":"Life Annuity with Return of 100% of Purchase Price; Joint Life Last Survivor Annuity with Return of 100% of Purchase Price on death of the last survivor","note":null,"quote":"Life Annuity with Return of 100% of Purchase Price | Single life ... Joint Life Last Survivor Annuity with Return of 100% of Purchase Price (ROP) on death of the last survivor. | Joint Life","sources":[{"clause":"1","heading":"Benefits payable on Survival or on Death","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-1-2"}],"law":[]},{"key":"purchase_price_min","label":"Minimum purchase price","section":"Eligibility","meaning":"Smallest lump sum or annuity accepted.","status":"quote-verified","value":"Minimum purchase price starts at ₹1,78,044 for the single life option and ₹1,78,592 for the joint life option for yearly annuity payment. Other minimum purchase prices vary by annuity payment frequency.","display":"From ₹1,78,044 single life and ₹1,78,592 joint life for yearly mode","note":"From the sales brochure; the displayed minimum is the lowest shown. Minimum purchase price is different for half-yearly, quarterly and monthly payout frequencies.","quote":"Minimum and Maximum Single Premium | Annuity Minimum Minimum Minimum Payment Purchase Purchase Annuity Frequency Price for Price for Amount Single Life Joint Life (₹) Option (₹) Option (₹) Yearly 1,78,044 1,78,592 12,000 Half-Yearly 1,81,552 1,82,111 6,000 Quarterly 1,83,358 1,83,923 3,000 Monthly 1,84,275 1,84,843 1,000","sources":[{"clause":null,"heading":"Aviva Saral Pension – Plan at a Glance","page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2135#c-aviva-saral-pension-plan-at-a-glance-2"}],"law":[]},{"key":"deferment","label":"Deferment period","section":"Cover","meaning":"For deferred plans, how long before income starts.","status":"not-applicable","value":null,"display":null,"note":"This product is an immediate annuity, not a deferred annuity plan.","quote":null,"sources":[],"law":[]},{"key":"annuity_frequency","label":"Payout frequency","section":"Cover","meaning":"Monthly, quarterly, half-yearly, yearly.","status":"quote-verified","value":["yearly","half-yearly","quarterly","monthly"],"display":"Yearly, half-yearly, quarterly and monthly","note":null,"quote":"Mode refers to the frequency of Annuity payment as chosen by the Annuitant from the available modes of annuity i.e. yearly, half-yearly, quarterly, and monthly.","sources":[{"clause":"21","heading":"Mode","page":2,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104#c-21"}],"law":[]},{"key":"annuity_rate_example","label":"Example annuity rate","section":"Cover","meaning":"An example from the document; rates change with age and over time.","status":"quote-verified","value":"For a purchase price of Rs. 10 Lakh and yearly payout mode at age 60, the sample annuity payout is ₹68,424 for single life annuity and ₹67,451 for joint life annuity.","display":"Rs. 10 Lakh purchase price, yearly payout at age 60: ₹68,424 single life; ₹67,451 joint life","note":"From the sales brochure; the joint-life example assumes primary and secondary lives are of the same age.","quote":"Sample Annuity Payout (₹) | Annuity Payout in arrear for Purchase Price of Rs. 10 Lakh\n(Yearly Payout Mode)\nAnnuity | Annuity\nAge (Years) | Payout (₹) | Payout (₹)\nSingle Life | Joint Life\nAnnuity | Annuity*\n40 | 67,482 | 67,275\n50 | 67,875 | 67,378\n60 | 68,424 | 67,451","sources":[{"clause":null,"heading":"Aviva Saral Pension – Plan at a Glance","page":5,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2135#c-aviva-saral-pension-plan-at-a-glance-3"}],"law":[]}],"documents":[{"kind":"wording","label":"See Terms","pages":20,"fetched_at":"2026-10-17 19:35:04+00","source_url":"https://www.avivaindia.com/sites/default/files/Pol%20Doc%20Aviva%20Saral%20Pension.pdf","url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2104"},{"kind":"cis","label":"CIS","pages":4,"fetched_at":"2026-10-17 19:33:42+00","source_url":"https://www.avivaindia.com/sites/default/files/cis-aviva-saral-pension.pdf","url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2060"},{"kind":"brochure","label":"Key Feature Document","pages":9,"fetched_at":"2026-10-17 19:36:11+00","source_url":"https://www.avivaindia.com/sites/default/files/kfd-aviva-saral-pension.pdf","url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2133"},{"kind":"brochure","label":"Download Brochure","pages":18,"fetched_at":"2026-10-17 19:36:06+00","source_url":"https://www.avivaindia.com/sites/default/files/sales-literature-saral-pension.pdf","url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03/document/2135"}],"versions":[{"uin":"122N138V01","version":null,"approved_on":null},{"uin":"122N138V03","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Aviva Life Insurance official website","url":"https://www.avivaindia.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":"Maturity and survival benefit claim","url":"https://www.avivaindia.com/settle-your-maturity-and-survival-benefit-claim","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 mechanism","url":"https://www.avivaindia.com/grievance-mechanism","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":"Aviva Saral Pension (UIN 122N138V03), IndiaInsurances, https://indiainsurances.com/policy/aviva-life-insurance/aviva-saral-pension-122n138v03"}