{"uin":"133N103V01","name":"Generali Central Group Term Micro Insurance Plan","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01","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":"group-life","category_name":"Group and credit life","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is a group, non-linked, non-participating single premium or one-year renewable term micro insurance plan with Level Cover and Reducing Cover options. It has no maturity benefit, no paid-up value, no policy loans and a 30-day free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:54:43.018924+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Level Cover Option","Reducing Cover Option"],"display":"Level Cover Option; Reducing Cover Option","note":"Level Cover can be opted under Single Premium and yearly renewable policies; Reducing Cover can be opted under Single Premium only.","quote":"“Level Cover Option\" means the Sum Assured chosen at inception shall remains same during the policy term. This option can be opted under Single Premium & yearly renewable both. ... “Reducing Cover Option\": The option provides cover for outstanding loan as per the Loan Schedule. At no point in time the reduced cover shall be less than the minimum Sum Assured of Rs. 5,000. This option can be opted under Single Premium only.","sources":[{"clause":"13","heading":"“Level Cover Option\"","page":7,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-13"},{"clause":"Part B","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-part-b-3"}],"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":"One-Year Renewable policies run for 1 year and are annually renewable; Single Premium policies run from 1 month to 120 months.","display":"One-Year Renewable: 1 year annually renewable; Single Premium: 1 month to 120 months","note":"From the sales brochure.","quote":"Policy Term Range | Minimum: One-Year Renewable: 1 year (annually renewable) (Only Level cover option is available) Single Premium: 1 month (Level cover and Reducing cover both options are available) Maximum: One-Year Renewable: 1 year (annually renewable) (Only Level cover option is available) Single Premium: 120 months (Level cover and Reducing cover both options are available)","sources":[{"clause":null,"heading":"Plan Summary","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6210#c-plan-summary"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"conflicting","value":"The Master Policyholder must inform the Company of any claim within 30 days of the claim event.","display":"Within 30 days of the claim event","note":"The policy wording says 30 days. CIS says: \"not later than 90 days from the date of death of the Life Assured.\"","quote":"Claim intimation and claim documents: Master Policyholder shall inform the Company of any claim within 30 days of the claim event.","sources":[{"clause":"Part F","heading":null,"page":22,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-part-f-4"},{"clause":"Row 4(a)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6179#c-row-4-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":["Claim Forms Part I: Application Form for Death Claim (Claimant’s Statement)","Part II: Physician’s Statement, relevant Hospital records and report from the concerned medical specialist giving nature of disability and illness","Death Certificate issued by a local government body like Municipal Corporation/Village Panchayat","Medical Cause of Death Certificate issued by attending physician/hospital","Attested True Copies of Indoor case Papers of the hospital(s)","Post-mortem Report (Autopsy Report) & Chemical Viscera Report – if performed","Photo ID with DOB with relationship to the insured","Photograph","Proof of legal title to the claim proceeds (e.g. legal succession papers, assignment deed etc.)","Employer’s Certificate / Policyholder Certificate confirming the amount of insurance cover","Leave Records for the past 3 years","All Police Reports / First Information & Final Investigation Report","Proof of Accident – Panchnama / Inquest Report","Newspaper cutting / Photographs of the accident – if available"],"display":"Claim forms, death certificate, medical cause of death certificate, hospital papers, post-mortem/viscera report if performed, beneficiary ID/photo/legal title, employer/policyholder certificate, leave records and accident documents if applicable","note":"All documents submitted to the Company should be in original along with photocopies; the Company may ask for other documents or information.","quote":"Primary claim documents required for settlement of claim are: ... 1. Claim Forms Part I: Application Form for Death Claim (Claimant’s Statement) # Part II: Physician’s Statement, relevant Hospital records and report from the concerned medical specialist giving nature of disability and illness. ... 2 Death Certificate issued by a local government body like Municipal ... Death (all causes physician/hospital #\nof death #) | 4. Attested True Copies of Indoor case Papers of the hospital(s)\nCritical Illness | 5. Post-mortem Report (Autopsy Report) & Chemical Viscera Report – if\n,Disability and performed # Terminal Illness 6. The Beneficiary :\n- Photo ID with DOB with relationship to the insured\n- Photograph\n- Proof of legal title to the claim proceeds (e.g. legal succession papers, assignment deed etc.)\n7. Employer’s Certificate / Policyholder Certificate confirming the amount of insurance cover.\n8. Leave Records for the past 3 years\nIf Death due to Accident (submit in addition to the above) | All Police Reports / First Information & Final Investigation Report\nAccident | Proof of Accident – Panchnama / Inquest Report\n(submit | in Newspaper cutting / Photographs of the accident – if available","sources":[{"clause":"Part F","heading":null,"page":22,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-part-f-4"},{"clause":"2","heading":"Death Certificate issued by a local government body like Municipal","page":22,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-2-8"},{"clause":"3","heading":"Medical Cause of Death Certificate issued by attending","page":22,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-3-7"}],"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":"After lodging the claim, requirements are raised within 10 days. Death claim decisions are within 15 days without investigation and within 45 days with investigation.","display":"Requirements within 10 days; death claim decision within 15 days without investigation or 45 days with investigation","note":null,"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":"Survival Benefit","page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6179#c-survival-benefit"}],"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 Exclusion","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 limited as stated; sanctions-related cover or payment is excluded","note":"For compulsory employer-employee groups, the policy says the suicide clause is not applicable and suicide claims will be covered.","quote":"a) Suicide Exclusion In case of death due to suicide within 12 months from the Policy Commencement Date under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the Master Policyholder shall be entitled to 80% of the Total Premiums Paid** till the date of death or the benefit acquired on Surrender / termination as on the date of death whichever is higher, provided the policy is in force. ... We shall not be under any obligation to provide cover and 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 Company 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":"5(a)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-5-a-2"},{"clause":"Part F","heading":null,"page":24,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-part-f-6"}],"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 of Generali Central Life Insurance Company Limited. If the decision is not satisfactory or there is no response within 10 days, contact the Grievance Redressal Officer.","display":"Grievance Redressal Department first; then Grievance Redressal Officer if not satisfied or no response within 10 days","note":null,"quote":"In the event of any complaint/grievance under this Group Policy, a reference may be made to Our office at the following address giving the nature and full particulars of the grievance:- ... Grievance Redressal Department ... b) In case with 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","sources":[{"clause":"1(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-1-a"},{"clause":null,"heading":"Grievance Redressal Department","page":27,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-grievance-redressal-department"},{"clause":"1(b)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-1-b"},{"clause":null,"heading":"Grievance Redressal Officer","page":27,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#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":"Minimum Sum Assured is ₹5,000 per member and maximum is ₹2,00,000 per member. Under Reducing Cover, at no point in time is the reduced cover less than ₹5,000.","display":"₹5,000 to ₹2,00,000 per member","note":"From the sales brochure.","quote":"Sum Assured Range | Minimum: ₹5,000 (per member) Maximum: ₹2,00,000 (per member) At no point in time the reduced cover shall be less than the minimum Sum Assured of ₹5,000","sources":[{"clause":null,"heading":"Plan Summary","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6210#c-plan-summary"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"For Level Cover, the full Sum Assured as on the date of death is payable and cover for that insured member terminates. For Reducing Cover, the outstanding loan as per the loan schedule on the date of death or INR 5000, whichever is higher, is payable.","display":"Level Cover: full Sum Assured on date of death; Reducing Cover: outstanding loan on date of death or INR 5000, whichever is higher","note":null,"quote":"a) In case of death under Level Cover Option, the full Sum Assured (as on the date of death) will be payable, and the Policy will terminate for the Insured Member on payment of this benefit. ... b) In case of death under Reducing Cover Option, outstanding loan as per the loan schedule as on date of death or INR 5000, whichever is higher shall be payable.","sources":[{"clause":"2(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-2-a"},{"clause":"2(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-2-b"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"There is no maturity benefit under this policy.","display":"No maturity benefit","note":null,"quote":"There is no maturity benefit under this policy.","sources":[{"clause":"4","heading":"Maturity Benefit","page":11,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-4-3"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premiums are paid as Single Premium in lump sum or under a One-Year Renewable term plan. The sales brochure states the premium payment term is 1 year.","display":"Single Premium or 1 year","note":"The 1 year premium payment term is from the sales brochure.","quote":"Single Premium or One-Year Renewable Term Micro Insurance Plan ... “Single Premium” means the Premium amount specified in the Certificate of Insurance which is payable in Lump Sum in respect of the Insured Member under this Group Policy. ... Premium Payment Term | 1 year","sources":[{"clause":null,"heading":"Generali Central Group Term Micro Insurance Plan","page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-generali-central-group-term-micro-insurance-plan"},{"clause":"Part B","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-part-b-3"},{"clause":null,"heading":"Plan Summary","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6210#c-plan-summary"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Maximum maturity age is 85 years.","display":"85 years","note":"From the sales brochure.","quote":"Maturity age | Minimum: 14 years and 1 months Maximum: 85 years","sources":[{"clause":null,"heading":"Plan Summary","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6210#c-plan-summary"}],"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 due to suicide occurs within 12 months from the Policy Commencement Date or revival date, the nominee or beneficiary gets 80% of Total Premiums Paid till death or the surrender/termination benefit as on the date of death, whichever is higher, if the policy is in force. The clause does not apply during renewal and does not apply to compulsory employer-employee group participation.","display":"Within 12 months: 80% of Total Premiums Paid or surrender/termination benefit, whichever is higher, subject to group applicability","note":"For non-employer employee groups, the suicide clause is applicable.","quote":"a) Suicide Exclusion In case of death due to suicide within 12 months from the Policy Commencement Date under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the Master Policyholder shall be entitled to 80% of the Total Premiums Paid** till the date of death or the benefit acquired on Surrender / termination as on the date of death whichever is higher, provided the policy is in force. This clause will not be applicable during renewal of cover. ... For employer employee group where participation for insurance cover is compulsory, suicide clause as stated above will not be applicable. In other words, claims resulting from suicide will be covered. For employer employee group where participation for insurance cover is on a voluntary basis, suicide clause as stated above will be applicable.","sources":[{"clause":"5(a)","heading":null,"page":23,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-5-a-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"Surrender is not applicable for One-Year Renewable Policy. For Single Premium Policy, the member may surrender cover; surrender value is (50% of Single Premium paid) x (Unexpired member coverage term / Total member coverage term) x (Sum Assured at the time of Surrender / Sum Assured at inception), with no surrender value in the last policy month and nil surrender value for policy term till 12 months.","display":"One-Year Renewable: not applicable; Single Premium: formula-based surrender value, nil for term till 12 months","note":null,"quote":"a) For One-Year Renewable Policy:\nNot Applicable ... b) For Single Premium Policy:\nIn case Master Policyholder discontinues the scheme for new members, the existing members shall have right to continue the cover on original basis as per Certificate of Insurance or Surrender the cover. ... The Insured Member may choose to Surrender his/her cover in case of loan foreclosure in which case the Surrender Value payable will be equal to (50% of the Single Premium paid) x (Unexpired member coverage term / Total member coverage term) x (Sum Assured at the time of Surrender / Sum Assured at inception) ... Surrender Value is not payable if the policy is surrendered in the last policy month.\nPlease note for policy term till 12 months, the Surrender Value is nil.","sources":[{"clause":"2(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-2-a-2"},{"clause":"2(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-2-b-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"No paid-up value is available under the master policy.","display":"No paid-up value","note":null,"quote":"No paid-up value is available under the master policy.","sources":[{"clause":"6","heading":"Paid Up value","page":17,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-6-3"}],"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 is not applicable for Single Premium Policy. For One-Year Renewable Policy, after lapse the Company may consider requests from the Master Policyholder to reinstate coverage subject to the Board Approved Underwriting Policy, and the revival period, if any, will not exceed the term of the policy.","display":"Single Premium: not applicable; One-Year Renewable: revival period, if any, will not exceed the term of the policy","note":null,"quote":"For Single Premium Policy:\nNot Applicable\nFor One-Year Renewable Policy:\nIf the due premiums are not paid within the grace period then the policy will lapse. After expiry of coverage, the Company shall consider requests from Master Policyholder to reinstate the coverage subject to the Board Approved Underwriting Policy. The revival period, if any, will not exceed the term of the policy.","sources":[{"clause":"8","heading":"Revival Period","page":17,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-8-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"No loans are available under this Group Policy.","display":"No loans are available","note":null,"quote":"No loans are available under this Group Policy.","sources":[{"clause":"3","heading":"Loans","page":15,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-3-4"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after 3 years from the date of policy issuance, commencement of risk, revival or rider, whichever is later. Within 3 years it may be questioned for fraud, and also for material misstatement or suppression with written grounds and materials.","display":"After 3 years, no policy can be called in question on any ground whatsoever","note":null,"quote":"No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e., from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later. ... A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground of fraud: ... A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made","sources":[{"clause":"1","heading":"Fraud and Misstatement","page":19,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-1-7"},{"clause":"Part F","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#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":"Tax benefits on this Group Policy are as per prevailing tax laws in India and amendments from time to time, and tax laws are subject to change.","display":"Tax benefits as per prevailing tax laws; tax laws are subject to change","note":null,"quote":"The tax benefits on this Group 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 Group Policy, We will deduct or charge or recover taxes, including applicable taxes and other levies, as applicable at such rates as notified by the government or such other body authorised by the government from time to time. Tax laws are subject to change.","sources":[{"clause":"Part F(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-part-f-a"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to the Master Policyholder and Insured Member.","quote":"you can return the policy/Certificate of Insurance to the Company within 30 days of its receipt (whether received electronically or otherwise), for cancellation, stating your objections. ... he / she has an option to return the Certificate of Insurance to the Company within 30 days of its receipt(whether received electronically or otherwise), with a request for cancellation, stating reasons for the same.","sources":[{"clause":"1","heading":"Free Look Period","page":14,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-1-4"}],"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 mode)","note":"For One-Year Renewable Policy. For Single Premium Policy, grace period is not applicable.","quote":"If for any Insured Member, premium is not paid by the Master Policyholder or the Insured Member itself, a grace period of 30 days (15 days for monthly mode) will be applicable for that member within which the Master Policyholder or member will have to pay the premium.","sources":[{"clause":"5(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-5-b"}],"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 14 years and maximum entry age is 84 years.","display":"14 years to 84 years","note":"From the sales brochure.","quote":"Entry Age | Minimum: 14 years Maximum: 84 years","sources":[{"clause":null,"heading":"Plan Summary","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6210#c-plan-summary"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["single","yearly","halfyearly","quarterly","monthly"],"display":"single/yearly/halfyearly/quarterly/monthly","note":"The CIS prints these as Certificate of Insurance placeholders.","quote":"Your Premium Payment frequency is <<single/yearly/halfyearly/quarterly/monthly>>","sources":[{"clause":"Row 4","heading":"Basic Policy Details","page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6179#c-row-4"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Premium","One-Year Renewable"],"display":"Single Premium or One-Year Renewable","note":null,"quote":"Group, Non-Linked, Non-Participating (without profits), Single Premium or One-Year Renewable Term Micro Insurance Plan","sources":[{"clause":null,"heading":"Generali Central Group Term Micro Insurance Plan","page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243#c-generali-central-group-term-micro-insurance-plan"}],"law":[]},{"key":"cover_basis","label":"Cover basis","section":"Cover","meaning":"Flat cover, salary multiple or loan outstanding.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Generali Central Group Term Micro Insurance Plan Policy Document","pages":37,"fetched_at":"2026-10-17 19:38:21+00","source_url":"https://www.generalicentrallife.com/docs/group_term_micro_insurance_plan/policy_document.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6243"},{"kind":"cis","label":"Generali Central Group Term Micro Insurance Plan Customer Information Sheet","pages":2,"fetched_at":"2026-10-17 19:33:34+00","source_url":"https://www.generalicentrallife.com/docs/group_term_micro_insurance_plan/customer_information_sheet.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6179"},{"kind":"brochure","label":"Generali Central Group Term Micro Insurance Plan Product Brochure","pages":13,"fetched_at":"2026-10-17 19:37:45+00","source_url":"https://www.generalicentrallife.com/docs/group_term_micro_insurance_plan/product_brochure.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01/document/6210"}],"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 Group Term Micro Insurance Plan (UIN 133N103V01), IndiaInsurances, https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-term-micro-insurance-plan-133n103v01"}