{"uin":"133L102V01","name":"Generali Central Sampoorna Samadhaan Plan","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01","insurer":{"slug":"generali-central-life-insurance","name":"Generali Central Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-life-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Generali Central Sampoorna Samadhaan Plan is an individual non-participating unit linked life insurance plan where the investment risk is borne by the policyholder. On death it pays the highest of the sum assured less deductible partial withdrawals, the fund value, or 105% of total premiums paid less deductible partial withdrawals, and on maturity it pays the fund value.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:46:02.273339+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":"not-stated","value":null,"display":null,"note":"The wording says the Policy Term is specified in the Schedule, but does not print the product's policy-term range.","quote":null,"sources":[],"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":"Death of the Life Assured must be notified immediately in writing. Proof of death and appropriate documents must be furnished within 90 days from the date of death, unless delay beyond the claimant's control is accepted.","display":"Death to be notified immediately in writing; proof and documents within 90 days from death.","note":null,"quote":"a) The death of the Life Assured must be notified immediately to Us in writing. ... b) Proof of death and any appropriate documents as required by Us must be completed and furnished to Us, within 90 days from the date of death of the Life Assured, unless specified otherwise. However, a notification of claim received after 90 days may be accepted, if the claimant proves to Our satisfaction that there was a delay for reason beyond the control of the claimant.","sources":[{"clause":"3(a)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-3-a-2"},{"clause":"3(b)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-3-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":["Original Policy Document","Original death certificate","Post mortem report / First Investigation Report of the police, where applicable","Claim forms duly completed as required by Us","Certificate from physician/hospital last attended showing cause of death wherever applicable","Legal evidence of title of the claimant where no valid nomination or assignment under this Policy exists or in cases where the title is in dispute","Proof of Age, if the Age has not been admitted under the Policy earlier","Claimant’s ID Proof (Copy of PAN, Aadhar or Passport or Driving License","Claimant’s PAN Copy (or) Form 60","Claimant’s Address Proof (Copy of Aadhar or Passport or Driving License)","Bank Account Proof of Claimant (Cancelled cheque with printed name or passbook copy verified by the branch)","Claimant’s Photograph","PAN Card or Form 60 and KYC documents if not submitted already","Bank details with supporting documents","Original policy bond, unless it is waived in the case of electronic policies through insurance repositories or for other reasons as per internal policy of the Company"],"display":"Death claim documents include policy document, death certificate, claim forms, applicable police/medical/title/age/KYC/bank/photo documents; maturity needs PAN/Form 60 and KYC, bank details and original policy bond unless waived.","note":null,"quote":"c) The following documentation must necessarily be submitted to Us to establish a death claim to Our satisfaction:\ni) Original Policy Document;\nii) Original death certificate;\niii) Post mortem report / First Investigation Report of the police, where applicable;\niv) Claim forms duly completed as required by Us;\nv) Certificate from physician/hospital last attended showing cause of death wherever applicable;\nvi) Legal evidence of title of the claimant where no valid nomination or assignment under this Policy exists or in cases where the title is in dispute;\nvii) Proof of Age, if the Age has not been admitted under the Policy earlier.\nviii) Claimant’s ID Proof (Copy of PAN, Aadhar or Passport or Driving License.\nix) Claimant’s PAN Copy (or) Form 60\nx) Claimant’s Address Proof (Copy of Aadhar or Passport or Driving License)\nxi) Bank Account Proof of Claimant (Cancelled cheque with printed name or passbook copy verified by the branch)\nxii) Claimant’s Photograph\nd) We may, however, call for additional documents, if found necessary, in support of the claim. ... e) The following documents need to be submitted to Us for payment of Maturity Benefits:\ni) PAN Card or Form 60 and KYC documents if not submitted already\nii) Bank details with supporting documents\niii) Original policy bond, unless it is waived in the case of electronic policies through insurance repositories or for other reasons as per internal policy of the Company\niv) Such other documents as may be required under applicable laws notified from time to time.","sources":[{"clause":"Part F","heading":null,"page":37,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-part-f-3"},{"clause":null,"heading":"Payment of Maturity Benefits","page":37,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-payment-of-maturity-benefits"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The CIS says claim requirements are raised within 10 days after lodging the claim, death claim decision is within 15 days for cases without investigation, and within 45 days for cases with investigation.","display":"Requirements within 10 days; death claim decision within 15 days without investigation or 45 days with investigation.","note":"Stated in the Customer Information Sheet; the policy wording does not print these claim TATs.","quote":"Claims TAT 1. Raising claim requirements after lodging the claim- Within 10 days 2. Death claim decision for cases without investigation requirement- Within 15 days 3. Death claim decision for cases with investigation requirement- Within 45 days","sources":[{"clause":null,"heading":"LIFE INSURANCE","page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6172#c-life-insurance-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":["death of Life Assured due to suicide within 12 months from the date of commencement of the policy or from the date of revival of the policy","sanction, prohibition or restriction under OFAC, United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United States of America or as directed by the Government of India"],"display":"Suicide within 12 months is paid only as fund value with specified charge add-backs; sanctions restrictions are excluded.","note":null,"quote":"In case of death of Life Assured due to suicide within 12 months from the date of commencement of the policy or from the date of revival of the policy, as applicable, the nominee or the beneficiary of the Policyholder shall be entitled to the fund value, as available on the date of intimation of death.\nFurther any charges other than Fund Management Charges (FMC) and guarantee charges recovered subsequent to the date of death shall be added back to the fund value as available on the date of intimation of death. ... The Company shall not be under any obligation to provide cover and We shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the insurer to any sanction, prohibition or restriction under OFAC, United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United States of America or as directed by the Government of India, from Time to time.","sources":[{"clause":"6","heading":"Suicide Exclusion","page":38,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-6-5"},{"clause":"7","heading":"Other Exclusion","page":38,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-7-5"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First approach the Grievance Redressal Department at Generali Central Life Insurance Company Limited or the nearest branch. If the decision is not satisfactory or there is no response within 10 days, contact the Grievance Redressal Officer.","display":"First Grievance Redressal Department or branch; then Grievance Redressal Officer if unsatisfied or no response within 10 days.","note":null,"quote":"a) In the event of any complaint/grievance under this Policy, a reference may be made to Our office at the following address giving the nature and full particulars of the grievance:- ... Generali Central Life Insurance Company Limited\nUnit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai – 400083 Email ID: care@generalicentral.com Our website: www.generalicentrallife.com Contact No : 022-41514500 Toll Free No: 1800 102 2355\nYou may also reach out to Your nearest branch. ... b) In case the decision of the above office is not satisfactory, or there is no response from the office within 10 days, the following official for resolution of the grievance may be contacted:- ... Grievance Redressal Officer\nGenerali Central Life Insurance Company Limited\nUnit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai – 400083 Contact No: 022 41514712 Toll Free No: 1800 102 2355 Email: gro@generalicentral.com","sources":[{"clause":"1(a)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-1-a-4"},{"clause":null,"heading":"Grievance Redressal Department","page":40,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-grievance-redressal-department"},{"clause":"1(b)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-1-b-3"},{"clause":null,"heading":"Grievance Redressal Officer","page":40,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-grievance-redressal-officer"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"For Regular Pay/Limited Pay, the Sum Assured is Death Benefit Multiple * Annualized Premium, excluding taxes, rider premiums and underwriting extra premium on riders, if any.","display":"For Regular Pay/Limited Pay: Death Benefit Multiple * Annualized Premium.","note":null,"quote":"In this Policy, Sum Assured is defined as:\n• For Regular Pay/Limited Pay, it is Death Benefit Multiple * Annualized Premium (excluding taxes, rider premiums and underwriting extra premium on riders, if any).","sources":[{"clause":"2","heading":"Death Benefit","page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-2-3"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"If the Life Assured dies during the policy term while the policy has not been discontinued or converted to paid-up, the death benefit is the highest of sum assured less deductible partial withdrawals, fund value, or 105% of total premiums paid till death less deductible partial withdrawals. Deductible partial withdrawals are those made in the 2 years prior to death.","display":"Highest of sum assured less deductible partial withdrawals, fund value, or 105% of total premiums paid till death less deductible partial withdrawals.","note":null,"quote":"If the Life Assured dies on or after the Risk Commencement Date but during the Policy Term and provided that the Policy has not been Discontinued or been converted into a Paid-up Policy in accordance with the provisions of the Part D below, Death Benefit payable shall be the following:\nDeath Benefit payable shall be the highest of the following:\no Sum Assured less deductible Partial Withdrawals, if any o Fund Value under the Policy, o 105% of total premiums paid (including top-up premiums paid, if any) till date of death less deductible partial withdrawals, if any.\nDeductible Partial Withdrawals are Partial Withdrawals made in the 2 years prior to the date of death of the Life Assured.","sources":[{"clause":"2","heading":"Death Benefit","page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-2-3"}],"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":"If the Life Assured is alive on the Maturity Date and the policy has not been discontinued or converted to paid-up, the insurer pays the Fund Value as the Maturity Benefit.","display":"Fund Value on the Maturity Date.","note":null,"quote":"If the Life Assured is alive as on the Maturity Date and provided the Policy has not been discontinued or been converted to Paid-up in accordance with the provisions of Part D below, We will pay the Fund Value under Your Policy as the Maturity Benefit.","sources":[{"clause":"3","heading":"Maturity Benefit","page":13,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-3-4"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The wording says the Premium Paying Term is specified in the Schedule, but does not print the product's premium-paying-term range.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide within 12 months from commencement or revival, the nominee or beneficiary receives the fund value available on the date of intimation of death. Charges other than Fund Management Charges and guarantee charges recovered after death are added back to that fund value.","display":"Suicide within 12 months: fund value on date of intimation of death, plus specified charge add-backs.","note":null,"quote":"In case of death of Life Assured due to suicide within 12 months from the date of commencement of the policy or from the date of revival of the policy, as applicable, the nominee or the beneficiary of the Policyholder shall be entitled to the fund value, as available on the date of intimation of death.\nFurther any charges other than Fund Management Charges (FMC) and guarantee charges recovered subsequent to the date of death shall be added back to the fund value as available on the date of intimation of death.","sources":[{"clause":"6","heading":"Suicide Exclusion","page":38,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-6-5"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy may be surrendered at any time by written notice. Before the 5-year lock-in ends, fund value after discontinuance charges is transferred to the Discontinued Policy Fund and paid on the earlier of death or expiry of the lock-in, with at least 4% per annum guaranteed interest or as declared by IRDAI; after lock-in, fund value at prevailing NAV is paid without discontinuance charges.","display":"Surrender any time; before 5-year lock-in, fund value less discontinuance charges goes to Discontinued Policy Fund and is paid after lock-in or on earlier death; after lock-in, fund value at NAV without discontinuance charges.","note":null,"quote":"You may opt to Surrender the Policy at any time during the Policy Term by giving Us written notice for Surrender and the following shall be applicable:\n• If the Lock-in-Period has not expired, the Fund Value, after deduction of Discontinuance Charges as specified in Part E, will be transferred to the Discontinued Policy Fund. The Policyholder/Nominee will be entitled to receive the Discontinuance Policy Fund Value, on the earlier of death of the Life Assured or the expiry of the lock in period.\n• The proceeds of a Surrendered Policy would be at least equal to the Fund Value transferred to the Discontinued Policy Fund under the Policy, accumulated at the minimum guaranteed interest rate of 4% per annum or as declared by the IRDAI from time to time.\n• The Fund Value so accumulated will be paid by Us immediately after the Lock in Period of 5 years.\n• In case of death of the Life Assured during this period, the Proceeds of Discontinuance Policy Fund will be paid by Us to Your Nominee / legal heirs as applicable.\n• If the Lock-in-Period has expired, the Fund Value at the prevailing NAV will be paid by Us without deduction of the Discontinuance Charges as specified in Part E.","sources":[{"clause":"2","heading":"Surrender","page":17,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-2-4"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"After the lock-in period, discontinuance due to non-payment after grace period converts the policy into reduced paid-up status with paid-up sum assured equal to original sum assured multiplied by the number of premiums paid divided by total premiums payable. Rider cover ceases, charges continue, mortality charge is based on the reduced paid-up sum assured, and death claims use paid-up sum assured in place of sum assured.","display":"After lock-in, non-payment converts to reduced paid-up: Sum Assured x (number of premiums paid / total number of premiums payable).","note":null,"quote":"a) Upon expiry of the Grace Period, in case of Discontinuance of Policy due to non-payment of premium after Lock-in Period, the Policy shall be converted into a reduced paid up Policy with the paid-up Sum Assured i.e. original Sum Assured multiplied by the total number of premiums paid to the original number of premiums payable as per the terms and conditions of this Policy The Policy shall continue to be in Reduced Paid-Up status till the end of the Revival Period without rider cover, if any. All charges as per terms and conditions of the Policy shall be deducted during the Revival Period. However, the mortality charges as per Part E shall be deducted based on the Reduced Paid Up Sum Assured only. ... • Paid up Sum Assured will be determined as below :\n(Number of premiums paid by You) Sum Assured x -------------------------------------------------- (Total number of premiums payable) ... • Rider cover, if any, shall immediately cease, if this Policy is converted to a Reduced Paid Up status.\n• In case of Death of Life Assured during the Policy Term while the Policy is in the Paid-Up status, Death Benefit considering the Paid-Up Sum Assured will be paid. That is, death claims will be settled on original terms and conditions as per Part C replacing the “Sum Assured” by “Paid Up Sum Assured”.","sources":[{"clause":"Part D(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-part-d-a"},{"clause":"Part D(e)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-part-d-e"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A discontinued policy can be revived within the Revival Period of 3 consecutive complete years from the date of first unpaid premium, by written notice and subject to underwriting. Due instalment premiums must be paid in full without interest or fees.","display":"3 consecutive complete years from the date of first unpaid premium.","note":null,"quote":"“Revival Period” means the period of three consecutive complete years from the Date of first unpaid premium. ... A Policy that has become Discontinued during Lock in Period, due to non-payment of premium as per Clause 1 of this Part D (“Discontinuance of Policy”), may be revived during the Revival Period of 3 years from the Date of first unpaid premium by giving Us written notice to revive the Policy, provided that:\ni) This Policy will be revived in accordance with Our board approved underwriting policy.\nii) The due Instalment Premiums are paid to Us in full without any interest or fees;","sources":[{"clause":"Part B","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-part-b-4"},{"clause":"3(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-3-b"}],"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 loans are not granted under this policy.","display":"No policy loan.","note":null,"quote":"We shall not grant any loans under this Policy.","sources":[{"clause":"4","heading":"Policy Loan","page":18,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-4-4"}],"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":["Generali Central Linked Accidental Death Benefit Rider","Generali Central Linked Accidental Total & Permanent Disability Rider","Generali Central Linked Critical Illness Rider"],"display":"Generali Central Linked Accidental Death Benefit Rider; Generali Central Linked Accidental Total & Permanent Disability Rider; Generali Central Linked Critical Illness Rider.","note":"The policy wording says rider documents apply if riders are opted; the CIS names the riders opted in the sample policy.","quote":"Generali Central Linked Accidental Death Benefit Rider with Sum Assured of Rs. 1,00,00,000. Your Benefit Payout type is Income. You will receive Quarterly income of Rs. 5,54,035 for duration of 5 years. And Generali Central Linked Accidental Total & Permanent Disability Rider with Sum Assured of Rs. 20,00,000. Your Benefit Payout type is Income. You will receive Yearly income of Rs. 10,56,864 for duration of 2 years. And Generali Central Linked Critical Illness Rider with Sum Assured of Rs. 1,00,00,000.","sources":[{"clause":"Row 7","heading":"Riders opted, if any","page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6172#c-row-7"}],"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":"The policy cannot be called in question on any ground after 3 years from the later of issuance, commencement of risk, revival, or rider date. Within 3 years it may be questioned for fraud or for material misstatement or suppression, with written communication of grounds and materials.","display":"After 3 years, no policy of life insurance shall be called in question on any ground whatsoever.","note":null,"quote":"(1) No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e., from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later. (2) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground of fraud:\nProvided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision is based. ... (4) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or rider issued: ... Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision to repudiate the policy of life insurance is based.","sources":[{"clause":"1","heading":"Fraud and Misstatement","page":35,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-1-8"},{"clause":"1(d)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-1-d"},{"clause":"Part F","heading":null,"page":36,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-part-f-2"}],"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":"The tax benefits on the policy are as per prevailing tax laws in India and amendments from time to time. Taxes may be deducted, charged or recovered as applicable.","display":"Tax benefits are as per prevailing tax laws in India and amendments from time to time.","note":null,"quote":"The tax benefits on this Policy shall be as per the prevailing tax laws in India and amendments thereto from time to time. In respect of any payment made or to be made under this Policy, We will deduct or charge or recover taxes, including tax and other levies, as applicable at such rates as notified by the government or such other body authorized by the government from time to time.","sources":[{"clause":null,"heading":"16) Applicable Taxes and Duties","page":39,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-16-applicable-taxes-and-duties"}],"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 from receipt of the Policy Document.","note":null,"quote":"a) Policyholder has the option to cancel the policy within 30 days of receipt of the Policy Document (whether received electronically or otherwise) if the policyholder disagrees with any of the policy terms and conditions, or otherwise and has not made any claim, by giving a request for cancellation of the policy to the company, stating the reasons for such objections.","sources":[{"clause":"5(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-5-a-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; 15 days for monthly premium payment.","note":"Monthly premium payment has a 15-day grace period; all other cases have 30 days.","quote":"The grace period for payment of the premium shall be fifteen days, where the Policyholder pays the premium on a monthly basis and 30 days in all other cases.","sources":[{"clause":"Part B","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-part-b-2"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the mode specified in the Schedule, but does not print the product's available premium payment modes.","quote":null,"sources":[],"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 Pay","Limited Pay"],"display":"Regular Pay and Limited Pay.","note":null,"quote":"For Regular/Limited Premium policies: ... In this Policy, Sum Assured is defined as:\n• For Regular Pay/Limited Pay, it is Death Benefit Multiple * Annualized Premium (excluding taxes, rider premiums and underwriting extra premium on riders, if any).","sources":[{"clause":"1(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-1-i"},{"clause":"2","heading":"Death Benefit","page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-2-3"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"5 consecutive completed years from the Policy Commencement Date.","note":null,"quote":"20) “Lock-in-Period” means the period of five consecutive completed years from the Policy Commencement Date, during which period the Proceeds of the Policies cannot be paid by Us to You or to the Life Assured, as the case may be, except in the case of death or upon the happening of any other contingency covered under the Policy.","sources":[{"clause":"Part B","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-part-b-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.22 to 1.24","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Generali Central Income Fund - Low Risk","Generali Central Balance Fund - Modera te Risk","Generali Central Maximiser Fund - High Risk","Generali Central Apex Fund - High Risk","Generali Central Opportunity Fund - High Risk","Generali Central Midcap Fund - High Risk","Generali Central Secure Fund - Low Risk","Generali Central Income Plus Fund - Mediu m Risk","Generali Central Multicap Equity Fund - High Risk"],"display":"Generali Central Income, Balance, Maximiser, Apex, Opportunity, Midcap, Secure, Income Plus and Multicap Equity funds, with risk profiles from Low Risk to High Risk.","note":"The Midcap row is also stated in the same table as High Risk.","quote":"The Segregated Funds available under the Policy and their investment objectives are set out below: ... Generali Central Income Fund (SFIN: ULIF002180 708INCOM EFUND133) | Investments in assets of low risk | The objective of this fund is to provide stable returns by investing in assets of relatively low to moderate level of risk. The interest credited will be a major component of the fund’s return. The fund will invest primarily in fixed interest securities, such as Government Securities of medium to long duration and Corporate Bond and money market Instruments for liquidity. | • Money market instruments – 0% to 50% • Fixed Income investments – 50% to 100% • Equity Instruments - NIL | Low Risk\nGenerali Central Balance Fund (SFIN: ULIF003180 708BALAN CEFND133) | Balance of high return and risk balanced by stability provided by fixed interest instruments | To provide a balanced return from investing in both fixed interest securities as well as in equities so as to balance stability of return through the former and growth in capital value through the latter. This Fund will also invest in money market instruments to provide liquidity. | • Money market instruments: 0% – 30% • Fixed income Instruments – 40% to 70% • Equity Instruments: 30% – 60% | Modera te Risk\nGenerali Central Maximiser Fund (SFIN: ULIF004180 708MAXIMI ZEFU133) | Investment in a spread of equities. Diversification by sector, industry and risk | To provide potentially high returns to Unit holders by investing primarily in equities to target growth in capital value of assets. This Fund will also invest to a certain extent in government securities, corporate bonds and money market instruments. | • Money market instruments: 0% – 40% • Fixed income Instruments – 10% to 50% • Equity Instruments: 50% – 90% | High Risk\nGenerali Central Apex Fund (SFIN: ULIF010231 209GEAPEX FUND133) | Investment in a spread of equities. Diversification by sector, industry and risk | To provide potentially high returns to Unit holders by investing primarily in equities to target growth in capital value of assets. The Fund will also invest to a certain extent in government securities, corporate bonds and money market instruments. | • Money market instruments: 0% – 50% • Fixed income Instruments – 0% to 40% • Equity Instruments: 50% – 100% | High Risk\nGenerali Central Opportunity Fund (SFIN: ULIF012090 910OPPORT UFND133) | Investment in a spread of equities. Diversification by sector, industry and risk | To generate capital appreciation and provide long term growth opportunities by investing in a portfolio predominately of equity and equity related instruments generally in S&P CNX Nifty stocks and to generate consistent returns by investing in debt and money market instruments. | • Money market instruments: 0% – 20% • Fixed income Instruments – 0% to 15% • Equity Instruments: 80% – 100% | High Risk ... Generali Central Secure Fund (SFIN: ULIF001180 708SECURE FUND133) | Low risk investment such as money market investments | The investment objective of this fund is to provide stable returns by investing in relatively low risk assets. The fund will invest exclusively in treasury bills, bank deposits, certificate of deposits, other money market instruments and short duration govt. securities | • Money market Instruments – 0%- 75% • Short Term Debt – 25%-100% | Low Risk\nGenerali Central Income Plus Fund(SFIN: ULIF023211 124INCOM EPLUS133) | Investment in a mix of fixed income securities to provide steady returns while using the power of Equity to enhance returns. The portfolio will have diversified exposure to different issuers including sovereign to manage risk | This fund aims to provide progressive returns compared to fixed income instruments by taking a low exposure to high-risk assets like equity. The fixed income investments will be a judicious mix of government securities, corporate bonds, money market investments and other fixed income investments with minimum 25% investment in Corporate Bonds | • Cash & Money market instruments: 0% – 20% • Fixed income Instruments – 80% to 100% • O/W Corporate Bonds: 25% – 100% • Equity Instruments: 0% – 20% | Mediu m Risk\nGenerali Central Multicap Equity Fund (SFIN: ULIF024211 124MULTIC APEQ133) | The fund will take advantage of the flexibility to deploy capital across market capitalization to enhance returns while managing the risks | To generate long term capital appreciation by investing in a dynamic mix of equity and equity related instruments across market capitalization i.e. Large Cap, Mid Cap and Small Cap. | • Cash & Money market instruments: 0% – 40% • Equity Instruments: 60% – 100% | High Risk","sources":[{"clause":"2","heading":"Segregated Fund Details","page":25,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-2-5"},{"clause":"Part E","heading":null,"page":26,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-part-e-4"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"Premium Allocation Charge is deducted from premium before units are purchased: 12% in policy year 1, 6% in year 2, 4% in year 3, 2% in year 4, and 0% from year 5 onwards.","display":"PY 1: 12%; PY 2: 6%; PY 3: 4%; PY 4: 2%; PY 5+: 0%.","note":null,"quote":"a) Premium Allocation Charge: The Premium Allocation charge will be deducted from the Premium amount at the time of Premium Payment and the remaining Premium will be used to purchase Units in various investment funds according to the specified fund Allocation\nPY | Charge\n1 | 12%\n2 | 6%\n3 | 4%\n4 | 2%\n5+ | 0%","sources":[{"clause":"1(a)","heading":"Premium Allocation Charge","page":22,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-1-a-2"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"From the 5th policy year, the Policy Administration Charge is 0.41% of Annualized Premium at the beginning of each policy month. It increases each policy year by 5% compounded only until the 18th policy year, then remains constant, subject to a maximum of Rs 500 per month.","display":"From 5th policy year: 0.41% of Annualized Premium monthly, increasing 5% compounded each policy year till 18th year, capped at Rs 500 per month.","note":null,"quote":"b) Policy Administration Charge: From the 5th policy year onwards the Policy Administration Charge of 0.41% of Annualized Premium shall be charged at the beginning of each Policy month. The charge will increase each Policy year by 5% on a compounded basis only till 18th policy year (and constant thereafter) but shall be subject to a maximum of Rs 500 per month.","sources":[{"clause":"1(a)","heading":"Premium Allocation Charge","page":22,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-1-a-2"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"Fund Management Charges are deducted daily at 1/365th of the annual charge for determining unit price. They are 1.35% per annum for most funds, 1.10% for Generali Central Secure Fund, and 0.50% for Generali Central Discontinuance Policy.","display":"1.35% p.a. for most funds; 1.10% p.a. for Secure Fund; 0.50% p.a. for Discontinuance Policy Fund.","note":"The rows for Balance, Maximiser, Apex, Opportunity and Midcap also show 1.35%.","quote":"d) Fund Management Charge: The charge will be levied in accordance with the table below. Fund Management Charges are deducted on a daily basis at 1/365th of the annual charge for determining the Unit Price. This charge is guaranteed not to change during the Policy Term. ... 1 | Generali Central Income Fund (SFIN: ULIF002180708INCOMEFUND133) | 1.35% ... 7 | Generali Central Secure Fund (SFIN: ULIF001180708SECUREFUND133) | 1.10% ... 8 | Generali Central Income Plus Fund(SFIN: ULIF023211124INCOMEPLUS133) | 1.35%\n9 | Generali Central Multicap Equity Fund (SFIN: ULIF024211124MULTICAPEQ133) | 1.35%\n10 | Generali Central Discontinuance Policy (SFIN: ULIF001180708SECUREFUND133) | 0.50%","sources":[{"clause":"Part E","heading":null,"page":23,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-part-e-2"},{"clause":"Row 1","heading":"Generali Central Income Fund (SFIN: ULIF002180708INCOMEFUND133)","page":23,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-row-1-2"},{"clause":"Row 7","heading":"Generali Central Secure Fund (SFIN: ULIF001180708SECUREFUND133)","page":23,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-row-7"},{"clause":"Row 8","heading":"Generali Central Income Plus Fund(SFIN: ULIF023211124INCOMEPLUS133)","page":23,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-row-8"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality charges are based on the Sum at Risk for base cover. One-twelfth of the annual mortality charge is deducted monthly at the beginning of each Monthly Anniversary, including the Policy Commencement Date, by cancellation of units; annual rates per Rs. 1000 Sum at Risk vary by age and sex.","display":"Monthly deduction of 1/12th of annual mortality charge, based on Sum at Risk and age/sex rates per Rs. 1000 Sum at Risk.","note":null,"quote":"g) Mortality Charges:\n• Mortality charges are calculated based on the Sum at Risk for base cover. Sum at Risk : The Sum at Risk at any point of time is the Higher of (Sum assured less deductible Partial Withdrawal, 105% of total premiums paid under the base product (including top-up premiums paid, if any) less deductible Partial Withdrawals) less Fund Value under the policy.\n• The mortality charges are determined using 1/12th of the annual mortality charge and are deducted from the Unit account monthly at the beginning of each Monthly Anniversary (including the Policy Commencement Date) of the Policy by cancellation of Units.\n• The annual mortality charges per Rs. 1000/- Sum at Risk are as specified below –","sources":[{"clause":"Part E","heading":null,"page":23,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-part-e-3"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"conflicting","value":"Partial withdrawals are allowed only after completion of the 5-year lock-in period, with minimum withdrawal Rs.5,000 in multiples of thousands, balance fund value after withdrawal at least two Annualized Premium, no partial withdrawal charges, and unlimited partial withdrawals in a policy year. Switches are allowed during the policy term except to and from the Discontinuance Fund, minimum switch Rs.5,000, with unlimited free switches each policy year; fund switching is not allowed when Auto Invest Rule is active.","display":"Partial withdrawals after 5-year lock-in: minimum Rs.5,000, balance at least two Annualized Premium, unlimited and no charges. Switches: minimum Rs.5,000, unlimited free, except to/from Discontinuance Fund and not when Auto Invest Rule is active.","note":"The policy wording says the balance Fund Value after partial withdrawal must be at least two Annualized Premium. CIS says: 'For Regular and Limited pay policies, the minimum fund value following a partial withdrawal must be the Fund Value after a partial withdrawal should be at least one annualised premium.'","quote":"You may make Partial Withdrawals only after the completion of the Lock-in-Period of 5 years from the Policy commencement date by giving Us a written request. We will make all Partial Withdrawals from the Fund Value provided that :\na) Any Partial Withdrawal is for an amount not less than Rs.5,000 and is in multiple of thousands(in multiple of ‘000)\nb) The balance Fund Value after the proposed Partial Withdrawal is at least two Annualized Premium.\nc) Proposed Partial Withdrawal which will result in the Policy being terminated will not be permitted.\nd) There are no Partial Withdrawal charges. Unlimited Partial Withdrawals are allowed in a Policy Year. ... a) At any time during the Policy Term, You may instruct Us in writing to Switch some or all of the Units from one Segregated Fund to another, except Switches to and from Discontinuance Fund.\nb) The proposed Switch will be permitted only if the amount to be switched is not less than Rs.5,000.\nc) We will give effect to this Switch by cancelling Units in the old fund(s) and allocating units in the new fund(s) at the applicable Unit Price.\nd) Fund Switching is not allowed when Auto Invest rule (as per clause 3 of Part E) is active.\ne) Unlimited free switches are allowed each policy year. ... For Regular and Limited pay policies, the minimum fund value following a partial withdrawal must be the Fund Value after a partial withdrawal should be at least one annualised premium.","sources":[{"clause":"7","heading":"Partial Withdrawal","page":19,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-7-3"},{"clause":"8","heading":"Switches","page":19,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241#c-8-3"},{"clause":"Row 6","heading":"Options available","page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6172#c-row-6"}],"law":[]}],"documents":[{"kind":"wording","label":"Generali Central Sampoorna Samadhaan Plan Policy Document","pages":49,"fetched_at":"2026-10-17 19:38:17+00","source_url":"https://www.generalicentrallife.com/docs/sampoorna_samadhaan_plan/policy_document.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6241"},{"kind":"cis","label":"Generali Central Sampoorna Samadhaan Plan Customer Information Sheet","pages":2,"fetched_at":"2026-10-17 19:33:18+00","source_url":"https://www.generalicentrallife.com/docs/sampoorna_samadhaan_plan/customer_information_sheet.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01/document/6172"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Generali Central Life Insurance official website","url":"https://www.generalicentrallife.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.generalicentrallife.com/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal procedure","url":"https://www.generalicentrallife.com/info/customer-service/grievance-redressal-procedure","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":"Generali Central Sampoorna Samadhaan Plan (UIN 133L102V01), IndiaInsurances, https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sampoorna-samadhaan-plan-133l102v01"}