{"uin":"122N161V01","name":"Aviva Smart Return of Premium Term Plan","url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01","insurer":{"slug":"aviva-life-insurance","name":"Aviva Life Insurance Company India Limited","url":"https://indiainsurances.com/insurer/aviva-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":"Aviva Smart Return of Premium Term Plan is an individual non-linked, non-participating term plan with return of premium. The policy term is 10 Years to 30 Years, the death benefit is paid as a lump sum, and on maturity 100% of Total Premiums Paid excluding extra premium, rider premium and taxes is paid in lumpsum.","analysis":{"state":"machine","analysed_at":"2026-10-19 18:14:25.067166+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":"10 Years to 30 Years.","display":"10 Years to 30 Years","note":"From the sales brochure.","quote":"Policy Term | 10 Years | 30 Years","sources":[{"clause":null,"heading":"Plan at a Glance-Eligibility Criteria to buy the product","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2047#c-plan-at-a-glance-eligibility-criteria-to-buy-the"}],"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":"Affirmative proof of death and appropriate documents must be furnished within ninety (90) days from the Insured Event. A notification after ninety (90) days may be accepted if the Claimant proves the delay was beyond the Claimant's control.","display":"Within ninety (90) days from the occurrence of the Insured Event","note":null,"quote":"Affirmative proof of death and any appropriate documents as required by Us must be completed and furnished to Us within ninety (90) days from the occurrence of the Insured Event, unless specified otherwise. However, a notification of claim received after ninety (90) days may be accepted, if the Claimant proves to Our satisfaction that there was delay for reasons beyond the control of the Claimant.","sources":[{"clause":"1.1(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-1-1-a"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Original or certified copy of the death certificate issued by the municipal authorities","Original Policy Document","Our claim form duly completed, signed by the claimant and attested by the authorities as mentioned in the claim form","Certified proof of cause of death of the Insured from a Medical Practitioner","Duly certified Copy of cancelled cheque/pass book having details of bank account number, IFSC and name of claimant","Last medical attendant/ Medical Practitioner’s report, if applicable","Employer’s questionnaire, if applicable","Medical records including discharge/death summary related to admission to a hospital/medical facility or consultation with a Medical Practitioner within the last Five (5) years","Identification proof of the Nominee and Appointee (if applicable) issued by a governmental authority","Documentary proof, which establishes the Nominee and Appointee’s relationship with the Insured","Address proof of the claimant for the address mentioned in the claim form","For un-natural or non– medical death: Certified copies of First Information Report (FIR), Post Mortem Report (PMR), Final Police Inquest Report (FPIR); Newspaper articles/ cutting, if any","For payment of Maturity Benefit: Original Policy Document, Payout form, identification proof, address proof and Cancelled cheque for National Electronic Funds Transfer (NEFT) payment"],"display":"Death certificate, Original Policy Document, claim form, cause-of-death proof, bank details, medical/employer records, ID/address/relationship proof; extra police documents for un-natural or non– medical death; maturity claims require policy document, payout form, ID/address proof and cancelled cheque.","note":null,"quote":"i) Original or certified copy of the death certificate issued by the municipal authorities.\nii) Original Policy Document.\niii) Our claim form duly completed, signed by the claimant and attested by the authorities as mentioned in the claim form.\niv) Certified proof of cause of death of the Insured from a Medical Practitioner.\nv) Duly certified Copy of cancelled cheque/pass book having details of bank account number, IFSC and name of claimant\nvi) Last medical attendant/ Medical Practitioner’s report, if applicable.\nvii) Employer’s questionnaire, if applicable.\nviii) Medical records including discharge/death summary related to admission to a hospital/medical facility or consultation with a Medical Practitioner within the last Five (5) years.\nix) Identification proof of the Nominee and Appointee (if applicable) issued by a governmental authority.\nx) Documentary proof, which establishes the Nominee and Appointee’s relationship with the Insured.\nxi) Address proof of the claimant for the address mentioned in the claim form.\nxii) If the death of the Insured was caused due to un-natural or non– medical reasons, in addition to the above documents the following additional documents also need to be submitted to Us: a) Certified copies of First Information Report (FIR), Post Mortem Report (PMR), Final Police Inquest Report (FPIR). b) Newspaper articles/ cutting, if any. ... i) Original Policy Document.\nii) Payout form duly filled in by You and/or the assignee, if any.\niii) Your and/or the assignee’s (if any) identification proof issued by a governmental authority.\niv) You’re or the assignee’s (if any) address proof.\nv) Cancelled cheque for National Electronic Funds Transfer (NEFT) payment issued by You or the assignee (if any).","sources":[{"clause":"1.2","heading":null,"page":8,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-1-2-3"},{"clause":"1.3","heading":null,"page":8,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-1-3-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Death claims are settled within 15 days from intimation except cases warranting investigation, which are within 45 days from intimation. Surrender or partial withdrawal is within 7 days of receipt of request, and maturity, survival, annuity and income benefits are on due date.","display":"Death claim: Within 15 days from intimation; investigation: Within 45 days from intimation; surrender/partial withdrawal: Within 7 days of request; maturity/survival etc.: 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 Smart Return of Premium Term Plan","page":1,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2042#c-aviva-smart-return-of-premium-term-plan-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Suicide within twelve (12) months from the Risk Commencement Date or from the date of revival of the Policy"],"display":"Suicide within twelve (12) months from the Risk Commencement Date or from revival","note":null,"quote":"If the Insured Event occurs due to suicide, within twelve (12) months from the Risk Commencement Date or from the date of revival of the Policy, as applicable, the Nominee/Beneficiary of the Policyholder shall be entitled to 80% of the Total Premiums Paid till the date of death or the Surrender Value, if any, available as on the date of death whichever is higher, provided the Policy is in force.","sources":[{"clause":"Section 3","heading":"Suicide Exclusion","page":9,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-section-3-3"}],"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 any query, complaint or grievance, first contact Aviva by phone, email, branch office, advisor or customer services group. If there is no response or the response is unsatisfactory, contact the Grievance Redressal Officer at the head office, by phone or by email.","display":"First contact customer service; if not satisfied, contact the Grievance Redressal Officer","note":null,"quote":"For any query, complaint or grievance relating to the Policy You can\ni) call Us at 1800-103-7766 / 1800-180-2266; or\nii) email Us at: complaints@avivaindia.com; or\niii) approach any of Our branch offices; or\niv) contact Your advisor; or\nv) contact Our customer services group at Our address specified in the Schedule ... If You do not receive any response from Us or are not satisfied with Our response, You can contact Grievance Redressal Officer at:\ni) 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\nii) call at 0124-2709046; or\niii) email at gro@avivaindia.com","sources":[{"clause":"1.1","heading":"For any query, complaint or grievance relating to the Policy You can","page":11,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-1-1-4"},{"clause":"2.1","heading":null,"page":11,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-2-1-3"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"Sum Assured is in multiples of ₹50,000, with minimum 5 Lakh and maximum 50 Lakh per life, subject to board approved underwriting Policy.","display":"5 Lakh to 50 Lakh per life, in multiples of ₹50,000","note":"From the sales brochure.","quote":"Sum Assured (In multiples of ₹50,000) | 5 Lakh | 50 Lakh per life, subject to board approved underwriting Policy","sources":[{"clause":null,"heading":"Plan at a Glance-Eligibility Criteria to buy the product","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2047#c-plan-at-a-glance-eligibility-criteria-to-buy-the"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"If the Life Insured dies during the Policy Term and all due premiums have been paid till death, the Death Sum Assured is paid immediately as lump sum and the policy terminates. The Death Benefit is not less than 7 times the Annualized Premium or 105% of Total Premiums Paid till death, and due instalment premium up to the next policy anniversary may be deducted if death occurs during the policy year.","display":"Death Sum Assured paid immediately as lump sum; not less than 7 times Annualized Premium or 105% of Total Premiums Paid till death","note":null,"quote":"In case the Life Insured dies during the Policy Term, provided all due premiums have been paid till the date of death, Death Sum Assured shall be paid immediately as lump sum. upon the payment of death benefit, the Policy shall terminate and no further benefits shall be payable. The Death Benefit shall not be less than 7 times the Annualized Premium or 105% of Total Premiums Paid till date of death. In case of death of the life insured during the policy year the due Instalment premium, if any up to the next policy anniversary shall be deducted from the Death Benefit.","sources":[{"clause":"1.1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-1-1"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival of the Life Insured till the Maturity Date and payment of all due premiums, the policy pays the Maturity Sum Assured specified in the Schedule, namely 100% of Total Premiums Paid excluding extra premium, rider premium and taxes, in lumpsum. The policy terminates after payment.","display":"100% of Total Premiums Paid excluding any extra premium, any rider premium and taxes, in lumpsum","note":null,"quote":"On survival of the Life Insured till the Maturity Date, provided all due premiums have been paid, the Maturity Sum Assured (as specified in the Schedule) viz. 100% of Total Premiums Paid excluding any extra premium, any rider premium and taxes shall be paid to the Policyholder in lumpsum. On payment of Maturity Benefit to You, the policy shall terminate and no further benefits shall be payable.","sources":[{"clause":"2.1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-2-1"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium Payment Term is equal to Policy Term.","display":"Equal to Policy Term","note":"From the sales brochure.","quote":"Premium Payment Term | Equal to Policy Term | Equal to Policy Term","sources":[{"clause":null,"heading":"Plan at a Glance-Eligibility Criteria to buy the product","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2047#c-plan-at-a-glance-eligibility-criteria-to-buy-the"}],"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 75 years as per last birthday.","display":"75 years as per last birthday","note":"From the sales brochure; minimum maturity age shown is 28 years as per last birthday.","quote":"Maturity Age | 28 years as per last birthday | 75 years as per last birthday","sources":[{"clause":null,"heading":"Plan at a Glance-Eligibility Criteria to buy the product","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2047#c-plan-at-a-glance-eligibility-criteria-to-buy-the"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within twelve (12) months from the Risk Commencement Date or revival date, the nominee or beneficiary gets 80% of Total Premiums Paid till death or the Surrender Value available on the date of death, whichever is higher, provided the policy is in force.","display":"80% of Total Premiums Paid till death or Surrender Value, whichever is higher, if suicide is within twelve (12) months","note":null,"quote":"If the Insured Event occurs due to suicide, within twelve (12) months from the Risk Commencement Date or from the date of revival of the Policy, as applicable, the Nominee/Beneficiary of the Policyholder shall be entitled to 80% of the Total Premiums Paid till the date of death or the Surrender Value, if any, available as on the date of death whichever is higher, provided the Policy is in force.","sources":[{"clause":"Section 3","heading":"Suicide Exclusion","page":9,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-section-3-3"}],"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 anytime during the Policy Term provided one full year premium has been received, but Surrender Value is payable after completion of the first Policy Year. The Surrender Value is the higher of Guaranteed Surrender Value and Special Surrender Value, calculated as GSV Factor times Total Premiums Paid or SSV Factor times Paid-up Maturity Sum Assured.","display":"Payable after completion of first Policy Year; higher of GSV and SSV","note":null,"quote":"A Policy can be surrendered anytime during the Policy Term provided one full year premium has been received by Us. However, Surrender Value is payable after completion of first Policy Year. ... The Policy may be surrendered by You giving a written notice to Us and We will pay a Surrender Value which is the higher of the Guaranteed Surrender Value (GSV) and the Special Surrender Value (SSV). ... a) GSV=GSV Factor X Total Premiums Paid or\nb) SSV=SSV Factor X Paid-up Maturity Sum Assured","sources":[{"clause":"2.1","heading":null,"page":6,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-2-1-2"},{"clause":"2.2","heading":null,"page":6,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-2-2"},{"clause":"2.3","heading":"The Surrender Value shall be highest of","page":6,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-2-3"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If default occurs after payment of the first Policy Year premium and later premium is unpaid beyond the Grace Period, the policy becomes a Paid-up Policy with reduced benefits. Paid-up Death Sum Assured is Base Sum Assured x {T ÷ N}, and Paid-up Maturity Sum Assured is Maturity Sum Assured x {T ÷ N}, where T is total premiums paid and N is total premiums payable during the Policy Term.","display":"After first Policy Year premium is paid, reduced Paid-up Death Sum Assured and Paid-up Maturity Sum Assured continue using T ÷ N","note":null,"quote":"If the default in payment of Premium occurs after the payment of the Premium of first Policy Year, and any subsequent due Premium is not paid before the expiry of the Grace Period, then ... The Policy shall automatically become a Paid-up Policy after expiry of the Grace Period with Reduced Paid- up Benefits as follows:\nDeath Benefit under a Paid-up Policy\nPaid-up Death Sum Assured = Base Sum Assured x {T ÷ N}\nMaturity Benefit under a paid-up policy\nPaid-up Maturity Sum Assured= Maturity Sum Assured x {T ÷ N}\nwhere;\nT= Total number of Premiums paid N= Total number of Premiums payable during the Policy Term If a paid-up policy is not revived within the Revival Period, the policy will continue as paid-up policy with paid-up benefits as mentioned above. On revival of policy, all benefits shall be reinstated to original levels.","sources":[{"clause":"1.2","heading":null,"page":5,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-1-2-2"},{"clause":"1.2(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-1-2-a"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Revival Period is five (5) consecutive complete years from the date of the first unpaid Premium. To revive, the policyholder must give written notice with all due premiums, applicable taxes, interest at 9% per annum compounded monthly plus taxes, and Revival Fee of Rs 250 plus taxes; revival is subject to underwriting and is effective only on written endorsement.","display":"Five (5) consecutive complete years from the date of the first unpaid Premium","note":null,"quote":"Revival Period means a period of five (5) consecutive complete years commencing from the date of the first unpaid Premium. ... If the Policy has lapsed then You may give Us written notice along with all the due Premiums, including applicable taxes and applicable interest amount, to revive the Policy during the Revival Period and provide Us with all information or documentation We request. ... You shall pay all the due Premiums, including applicable taxes, in full and the interest at the rate of 9% per annum compounded monthly plus applicable taxes and the Revival Fee, which is Rs 250/plus taxes, if any, as specified in the Schedule.","sources":[{"clause":null,"heading":"Revival Period","page":2,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-revival-period"},{"clause":"1.3","heading":null,"page":6,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-1-3"}],"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 allowed. The loan amount is subject to a maximum of 80% of the surrender value, and the current interest rate is 8.72% p.a., compounding yearly, calculated as the Average Annualized 10-year benchmark G-Sec Yield over the last 6 months plus 2%.","display":"Allowed; maximum 80% of surrender value; current interest 8.72% p.a.","note":null,"quote":"Policy Loan is allowed subject to following conditions:\na) The loan amount will be subject to a maximum of 80% of the surrender value where the surrender value would be higher of the Guaranteed Surrender Value and the Special Surrender Value.\nb) The current interest rate on loan is 8.72% p.a., compounding yearly. The interest rate on loan shall be calculated as the Average Annualized 10-year benchmark G-Sec Yield (over last 6 months) + 2%.","sources":[{"clause":"Section 3","heading":"Loan","page":6,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-section-3-2"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Aviva Accidental Casualty Non-Linked Rider (UIN:122B035V01)","Aviva New Critical Illness Non-Linked Rider (UIN: 122B036V02) - Lump sum Option"],"display":"Aviva Accidental Casualty Non-Linked Rider; Aviva New Critical Illness Non-Linked Rider - Lump sum Option","note":null,"quote":"Aviva Accidental Casualty Non-Linked Rider (UIN:122B035V01) Aviva New Critical Illness Non-Linked Rider (UIN: 122B036V02) - Lump sum Option","sources":[{"clause":"Section 5","heading":"Optional Riders","page":5,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-section-5"}],"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 shall be called in question on any ground after expiry of 3 yrs from the date of issuance, commencement of risk, revival or rider, whichever is later. On the ground of fraud, the policy may be called in question within 3 years from those dates, with written communication of the ground and materials.","display":"No policy called in question after expiry of 3 yrs; fraud questioning within 3 years","note":null,"quote":"Section 45 – Policy shall not be called in question on the ground of mis-statement or suppression of material fact after three years Provisions regarding policy not being called into question in terms of Section 45 of the Insurance Act, 1938, as amended by Insurance Laws (Amendment) Act 2015 which is deemed to have come into force on the 26th day of December 2014 are as follows: 1.No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years from\ni. the date of issuance of policy or ii the date of commencement of risk or\niii. the date of revival of policy or\niv. 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 3","heading":null,"page":15,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-annexure-3"},{"clause":"Annexure 3(iv)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-annexure-3-iv"}],"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 as per prevailing Tax Laws. Tax Benefit is applicable as per prevailing tax laws and tax laws are subject to change.","display":"Tax Benefits as per prevailing Tax Laws; tax laws are subject to change","note":"From the sales brochure.","quote":"Tax Benefits as per prevailing Tax Laws ... Tax Benefit applicable as per prevailing tax laws. Tax laws are subject to change","sources":[{"clause":null,"heading":"Tax Benefits","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2047#c-tax-benefits"},{"clause":null,"heading":"Please Note","page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2047#c-please-note"}],"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 (thirty) days from the date of receipt of the Policy Document","note":null,"quote":"You have the right to review the Policy terms and conditions during the free look period which is 30 (thirty) days from the date of receipt of the Policy Document. If You disagree to any of the terms or conditions, You have the option to return the Policy during the free look period stating the reasons for Your objections, on which You will be entitled to a refund of premium paid subject only to a deduction of a proportionate risk premium for the period of cover and the expenses, if any, incurred by the company on medical examination and stamp duty charges.","sources":[{"clause":"Section 4","heading":"Free Look Period","page":7,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-section-4-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for all other premium payment modes; 15 days for monthly mode","note":"Monthly mode has 15 days; all other premium payment modes have 30 days.","quote":"Grace Period means a period of 15 days for monthly mode and 30 days for all other premium payment modes from the date the Installment Premium become due during which time the Policy is considered to be in force without any interruption as per the terms of the Policy. This Grace Period applies to all premium payment modes (Premium Frequency)","sources":[{"clause":"4.1","heading":"Grace Period","page":5,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-4-1"}],"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 as per last birthday and maximum entry age is 60 years as per last birthday.","display":"18 years to 60 years as per last birthday","note":"From the sales brochure.","quote":"Entry Age | 18 years as per last birthday | 60 years as per last birthday","sources":[{"clause":null,"heading":"Plan at a Glance-Eligibility Criteria to buy the product","page":3,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2047#c-plan-at-a-glance-eligibility-criteria-to-buy-the"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Monthly","Quarterly","Half-Yearly","Yearly"],"display":"Monthly, Quarterly, Half-Yearly and Yearly","note":null,"quote":"Modal Factors applicable for other than Yearly mode are\nMonthly | 0.0871\nQuarterly | 0.2591\nHalf-Yearly | 0.5108","sources":[{"clause":"3.3","heading":"Modal Factors applicable for other than Yearly mode are","page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-3-3"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["regular premium"],"display":"Regular premium during the Policy Term","note":"From the sales brochure; the brochure also states Premium Payment Term is equal to Policy Term.","quote":"The premiums are payable regularly during the Policy Term.","sources":[{"clause":null,"heading":"Benefits in Detail","page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2047#c-benefits-in-detail"}],"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":"quote-verified","value":"Yes. On survival to the Maturity Date and payment of all due premiums, 100% of Total Premiums Paid excluding extra premium, rider premium and taxes is paid in lumpsum as the Maturity Sum Assured.","display":"Yes, 100% of Total Premiums Paid excluding extra premium, rider premium and taxes","note":null,"quote":"On survival of the Life Insured till the Maturity Date, provided all due premiums have been paid, the Maturity Sum Assured (as specified in the Schedule) viz. 100% of Total Premiums Paid excluding any extra premium, any rider premium and taxes shall be paid to the Policyholder in lumpsum.","sources":[{"clause":"2.1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-2-1"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"quote-verified","value":"The Death Sum Assured is paid immediately as lump sum. The Maturity Sum Assured is also paid in lumpsum.","display":"Death benefit: lump sum; maturity benefit: lumpsum","note":null,"quote":"Death Sum Assured shall be paid immediately as lump sum. ... the Maturity Sum Assured (as specified in the Schedule) viz. 100% of Total Premiums Paid excluding any extra premium, any rider premium and taxes shall be paid to the Policyholder in lumpsum.","sources":[{"clause":"1.1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-1-1"},{"clause":"2.1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045#c-2-1"}],"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":"wording","label":"Policy Document","pages":17,"fetched_at":"2026-10-17 19:33:00+00","source_url":"https://www.avivaindia.com/sites/default/files/Aviva-Smart-Return-of-Premium-Term-Plan-Policy-Document.pdf","url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2045"},{"kind":"cis","label":"CIS","pages":4,"fetched_at":"2026-10-17 19:32:57+00","source_url":"https://www.avivaindia.com/sites/default/files/CIS-Aviva-Smart-Return-of-Premium-Term-Plan.pdf","url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2042"},{"kind":"brochure","label":"Download Brochure","pages":14,"fetched_at":"2026-10-17 19:32:59+00","source_url":"https://www.avivaindia.com/sites/default/files/AVI01124-TROP-SL_0.pdf","url":"https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01/document/2047"}],"versions":[],"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 Smart Return of Premium Term Plan (UIN 122N161V01), IndiaInsurances, https://indiainsurances.com/policy/aviva-life-insurance/aviva-smart-return-of-premium-term-plan-122n161v01"}