{"uin":"133N104V01","name":"Generali Central Group Traditional Guarantee Plan","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01","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":"Generali Central Group Traditional Guarantee Plan is a single premium, non-linked, non-participating group and yearly renewable traditional life insurance plan for superannuation and non-superannuation employee benefit schemes. Non-superannuation schemes have a Rs. 10,000 death benefit per eligible member, while superannuation tranches have an assured benefit of 1% p.a. on the policy account value at the start of the policy year.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:54:19.937879+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":["Superannuation schemes","Non-Superannuation schemes like Gratuity, Leave Encashment etc."],"display":"Superannuation schemes; Non-Superannuation schemes like Gratuity, Leave Encashment etc.","note":null,"quote":"There has to be a separate master policy for Superannuation schemes and Non-Superannuation schemes like Gratuity, Leave Encashment etc.","sources":[{"clause":"Part C","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-part-c-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":"This is a yearly renewable plan.","display":"Yearly renewable plan","note":null,"quote":"“Policy Term”: This is a yearly renewable plan","sources":[{"clause":"Part B","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-part-b-3"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The policy asks for notice of a benefit payable, but does not state a deadline for intimation.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["A notice where the benefit is payable as per the Scheme Rules","particulars about the member (such as his name, membership number, date of birth, date of joining service, date of exit, cause of exit etc)","a calculation sheet computing the benefit payable in respect of the member","a certified copy of the death certificate","Proof of existence and identity of the member or beneficiary","Other information or requirements as the Company may find necessary to call for"],"display":"Notice under the scheme rules, member particulars, calculation sheet, death certificate where death is the cause of exit, proof of existence and identity, and other information the Company requires.","note":null,"quote":"The Company will pay benefits under this policy on receipt of: ... a) A notice where the benefit is payable as per the Scheme Rules in respect of a member due to his resignation, retirement, death, disability etc. ... The notice will give particulars about the member (such as his name, membership number, date of birth, date of joining service, date of exit, cause of exit etc) for whom the benefit is payable, The policy holder making a claim shall also provide a calculation sheet computing the benefit payable in respect of the member\nc) Where the cause of exit is the death of a member covered under the scheme, a certified copy of the death certificate shall also be provided\nd) Proof of existence and identity of the member or beneficiary, as the case may be, as required by the Company\ne) Other information or requirements as the Company may find necessary to call for.","sources":[{"clause":"4","heading":"Information required for payment of benefits","page":17,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-4-7"},{"clause":"4(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-4-a"},{"clause":"Part F","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-part-f-3"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Not Applicable","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":"Exclusion: Not Applicable; other exclusion for sanctions, prohibitions or restrictions under OFAC, UN resolutions, EU/US trade or economic sanctions laws, or directions of the Government of India.","note":null,"quote":"Not Applicable ... 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":"7","heading":"Exclusion","page":18,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-7-5"},{"clause":"7(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-7-a"}],"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 insurer's office or Grievance Redressal Department with the nature and full particulars of the grievance. If that decision is not satisfactory, or there is no response within 10 days, contact the Grievance Redressal Officer.","display":"First contact the Grievance Redressal Department; if unsatisfactory or no response within 10 days, contact the Grievance Redressal Officer.","note":null,"quote":"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: - ... Grievance Redressal Department ... 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","sources":[{"clause":"1","heading":"In case of any grievance, please approach the following in the order given below","page":21,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-1-8"},{"clause":null,"heading":"Grievance Redressal Department","page":21,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-grievance-redressal-department"},{"clause":null,"heading":"Grievance Redressal Officer","page":21,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#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 non-superannuation schemes, the life cover sum assured is Rs. 10,000 per eligible member. For superannuation schemes, the brochure states the sum assured is not applicable.","display":"Non-superannuation: Rs. 10,000 per member; superannuation: Not Applicable.","note":"The superannuation sum assured position is from the sales brochure.","quote":"In case of death of the Eligible Member, sum of Rs. 10,000 will be paid by the Company to the Trustees/Beneficiary as death benefit ... Sum Assured | Minimum: For Non-Superannuation schemes: ₹10,000 flat per group member For Superannuation schemes: Not Applicable Maximum: For Non-Superannuation schemes: • For life cover, sum assured is: ₹10,000 flat per group member","sources":[{"clause":"1","heading":"Death Benefits","page":9,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-1-4"},{"clause":null,"heading":"Plan Summary","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6229#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 non-superannuation schemes like gratuity schemes, Rs. 10,000 is paid as death benefit in addition to the benefit payable under the employer's scheme rules, subject to the stated policy account value limit. For superannuation schemes, the benefit is payable in accordance with the employer's scheme rules, with the benefit from policy account value capped as stated.","display":"Non-superannuation: Rs. 10,000 plus scheme-rule benefit, subject to maximum 10% of Policy Account Value at the start of the Financial Year. Superannuation: as per employer scheme rules, maximum of declared interest rate or 1% of policy account value at start of policy year, subject to maximum 10% of Policy Account Value at start of the Financial Year.","note":"For both schemes, the insurer's liability is limited to the balance in the Policy Account Value.","quote":"For Non-Superannuation Schemes like Gratuity schemes:\nIn case of death of the Eligible Member, sum of Rs. 10,000 will be paid by the Company to the Trustees/Beneficiary as death benefit in addition to the benefit payable in accordance with the Scheme Rules of the employer. The benefit payable from the Policy Account Value shall be subject to a maximum of 10% of the Policy Account Value at the start of the Financial Year. ... For Superannuation schemes:\nBenefit is payable in accordance with the Scheme Rules of the employer. The benefit payable from the Policy Account Value shall be maximum of declared interest rate or 1% of the policy account value at the start of the policy year subject to a maximum of 10% of the Policy Account Value at the start of the Financial Year.","sources":[{"clause":"1","heading":"Death Benefits","page":9,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-1-4"}],"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":"The maturity or vesting amount is equal to the maximum of declared interest rate or the assured benefit of 1% of the policy account value at the start of the policy year, applicable under superannuation schemes. At the end of the specified period, the Master Policyholder may transfer it to an existing traditional group savings policy, reinvest it in a new tranche, or withdraw it; withdrawal is the default option.","display":"Maturity/vesting amount is maximum of declared interest rate or 1% of policy account value at the start of the policy year for superannuation schemes; options are transfer, reinvest, or withdraw as default.","note":null,"quote":"The maturity/vesting amount shall be equal to the maximum of declared interest rate or Assured Benefit i.e. 1% of the policy account value at the start of the policy year (applicable under Superannuation Schemes). At the end of specified period the policyholder shall have the following three options: ... Option 1: If the Master Policyholder has an existing traditional group savings policy of Generali Central Life Insurance, the maturity/vesting amount shall be transferred into that, and this matured tranche shall be closed. ... The Master Policyholder can choose to reinvest the maturity/vesting amount in a new Tranche of its choice at the prevailing interest rates. ... Option 3 (Default option): The Master Policyholder can choose to withdraw the entire maturity/vesting amount.","sources":[{"clause":"2","heading":"Maturity Benefit of the Tranche","page":9,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-2-4"},{"clause":"2(a)","heading":"Option 1","page":9,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-2-a"},{"clause":"2(b)","heading":"Option 2","page":9,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-2-b"},{"clause":"2(c)","heading":"Option 3 (Default option)","page":9,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-2-c"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Single premium paid by the Master Policyholder into a tranche under the Master Policy.","display":"Single premium","note":null,"quote":"“Contribution”: Single premium paid by the MPH into a Tranche under this Master Policy.","sources":[{"clause":"5","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-5-2"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Minimum maturity age is 19 years and maximum maturity age is 85 years.","display":"Minimum: 19 years; Maximum: 85 years","note":"From the sales brochure.","quote":"Maturity age | Minimum: 19 years Maximum: 85 years","sources":[{"clause":null,"heading":"Plan Summary","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6229#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The Master Policyholder may surrender at any time by giving one month's notice, which the company may waive. The surrender benefit is the Master Policy Account Value less surrender charge under prevailing regulations and less Market Value Adjustment charge; current surrender charge is 0.05 percent of Master Policy Account Value, capped at Rupees five lakhs if surrendered within the third annual renewal, and nil otherwise.","display":"Surrender any time with one month’s notice; benefit is Master Policy Account Value less surrender charge and MVA. Current charge: 0.05 percent capped at Rupees five lakhs within third annual renewal, nil otherwise.","note":"Surrender is allowed to meet death claims, normal retirement claims and other valid benefit payments as per the scheme rules.","quote":"The Master Policyholder may Surrender the policy at any time, by giving one month’s notice. Such notice period can be waived by the company.\nThe Surrender benefit shall be the Master Policy Account Value less Surrender charge as per the prevailing regulations less Market Value Adjustment (MVA) charge. The Surrender charges as per current regulations are 0.05 percent of the Master Policy Account Value with a maximum of Rupees five lakhs if the Policy is surrendered within third annual renewal of the Policy, nil otherwise.","sources":[{"clause":"4","heading":"Surrender","page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-4-5"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"Not Applicable.","display":"Not Applicable","note":null,"quote":"Not Applicable","sources":[{"clause":"2","heading":"Paid-Up","page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-2-5"}],"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 as this is a yearly renewable contract.","display":"Not applicable as this is a yearly renewable contract","note":null,"quote":"Not applicable as this is a yearly renewable contract","sources":[{"clause":"3","heading":"Revival","page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-3-5"}],"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 policy.","display":"No loans are available","note":null,"quote":"No loans are available under this policy.","sources":[{"clause":"6","heading":"Loan","page":13,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-6-4"}],"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":["No riders are available under this product."],"display":"No riders are available under this product.","note":"From the sales brochure.","quote":"No riders are available under this product.","sources":[{"clause":"11","heading":"Riders","page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6229#c-11"}],"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 three years from the later of policy issuance, commencement of risk, revival or rider date. Within three years, it may be questioned for fraud or for material misstatement or suppression, with written communication of the grounds and materials; for non-fraud repudiation, premiums collected are paid within ninety days.","display":"After three years, no policy can be questioned on any ground; within three years it may be questioned for fraud or material misstatement/suppression, with written grounds and materials.","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 ... the premiums collected on the policy till the date of repudiation shall be paid to the insured or the legal representatives or nominees or Assignees of the insured within a period of ninety days from the date of such repudiation.","sources":[{"clause":"1","heading":"Fraud and Misstatement","page":16,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-1-7"},{"clause":"Part F","heading":null,"page":17,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#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 may be available under current income tax laws and are subject to change.","display":"Tax benefits may be available under current income tax laws and are subject to change.","note":"From the sales brochure.","quote":"Tax benefits may be available under current income tax laws and are subject to change.","sources":[{"clause":"10","heading":"Tax Benefits","page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6229#c-10"}],"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 at Master Policyholder level.","quote":"The Master Policyholder has a right to return the policy within 30 days of receipt of the Policy Document whether received electronically or otherwise","sources":[{"clause":"7","heading":"Free look provision (at Master Policyholder level)","page":13,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-7-4"}],"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":"not-applicable","value":null,"display":null,"note":"This is a single premium policy, so a grace period after missed premium due dates does not apply.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum age at entry is 18 years and maximum age at entry is 84 years, age last birthday.","display":"Minimum: 18 years; Maximum: 84 years","note":null,"quote":"Eligibility | Age (Last Birthday) (in years)\nMinimum Age at Entry | 18\nMaximum Age at Entry | 84","sources":[{"clause":"17","heading":"Eligibility conditions","page":3,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-17"}],"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 Premium"],"display":"Single Premium","note":null,"quote":"Single Premium, Non-Linked, Non-Participating (without profits), Group and Yearly Renewable Traditional Life Insurance Plan","sources":[{"clause":"Part A","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-part-a"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single premium"],"display":"Single premium","note":null,"quote":"“Contribution”: Single premium paid by the MPH into a Tranche under this Master Policy.","sources":[{"clause":"5","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-5-2"}],"law":[]},{"key":"cover_basis","label":"Cover basis","section":"Cover","meaning":"Flat cover, salary multiple or loan outstanding.","status":"quote-verified","value":"For non-superannuation schemes, the life cover is a flat Rs. 10,000 per eligible member, in addition to benefits payable according to the employer's scheme rules. For superannuation schemes, the benefit is payable in accordance with the employer's scheme rules and the stated policy account value formula.","display":"Flat Rs. 10,000 per eligible member for non-superannuation life cover; superannuation benefits are as per employer scheme rules.","note":null,"quote":"In case of death of the Eligible Member, sum of Rs. 10,000 will be paid by the Company to the Trustees/Beneficiary as death benefit in addition to the benefit payable in accordance with the Scheme Rules of the employer. ... For Superannuation schemes:\nBenefit is payable in accordance with the Scheme Rules of the employer.","sources":[{"clause":"1","heading":"Death Benefits","page":9,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251#c-1-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Generali Central Group Traditional Guarantee Plan Policy Document","pages":29,"fetched_at":"2026-10-17 19:38:29+00","source_url":"https://www.generalicentrallife.com/docs/group_traditional_guarantee_plan/policy_document.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6251"},{"kind":"brochure","label":"Generali Central Group Traditional Guarantee Plan Product Brochure","pages":15,"fetched_at":"2026-10-17 19:38:02+00","source_url":"https://www.generalicentrallife.com/docs/group_traditional_guarantee_plan/product_brochure.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01/document/6229"}],"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 Traditional Guarantee Plan (UIN 133N104V01), IndiaInsurances, https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-group-traditional-guarantee-plan-133n104v01"}