{"uin":"133N105V01","name":"Generali Central Saral Ashray Yojana","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01","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":"term-life","category_name":"Term life","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Generali Central Saral Ashray Yojana is an individual non-linked non-participating pure risk life insurance plan with death cover, accelerated critical illness benefit and accelerated accidental total and permanent disability benefit. It has no maturity benefit, no surrender value, no paid-up benefit and no policy loan.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:45:47.525632+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":["Generali Central Saral Ashray Yojana"],"display":"Generali Central Saral Ashray Yojana","note":null,"quote":"Product Name Generali Central Saral Ashray Yojana","sources":[{"clause":"Part A","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-part-a"}],"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":"Policy term options are 5 years and 10 years.","display":"5 years and 10 years","note":"From the sales brochure.","quote":"Policy Term and Premium Payment Term | Policy Term Premium Payment Term 5 years and 10 years Single Pay 5 years and 10 years Regular Pay","sources":[{"clause":null,"heading":"ELIGIBILITY","page":3,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6227#c-eligibility"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"The death of the Life Assured must be notified in writing. Proof of death and appropriate documents must be furnished not later than 90 days from the date of death, unless specified otherwise; genuine delays may be condoned on merit if beyond the claimant's control.","display":"Notify death in writing; documents not later than 90 days from the date of death","note":null,"quote":"a) The death of the Life Assured must be notified to Us in writing.\nb) Proof of death and any appropriate documents as required by Us must be completed and furnished to Us, not later than 90 days from the date of death of the Life Assured, unless specified otherwise. However, delay in intimation of the genuine claim by the Claimant, may be condoned by the Company, on merit, and where delay is proved to be for the reasons beyond his/her control.","sources":[{"clause":null,"heading":"Payment of Death Benefits","page":20,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-payment-of-death-benefits"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Original Policy Document","Original death certificate issued by the competent authority","Post mortem report / FIR, where applicable","Claim forms duly completed as required by Us","Certificate from physician/hospital last attended showing cause of death wherever applicable","A copy of past medical records for diagnosis and treatment with complete details of Illness, wherever applicable.","Legal evidence of title of the claimant where no valid nomination or assignment under this Policy exists or in cases where the title is in dispute","Proof of Age, if the Age has not been admitted under the Policy earlier","Self-attested copy of the PAN Card or Form 60 of Claimant","KYC documents including photograph of the Claimant","Bank details with supporting documents of Claimant"],"display":"Original policy document, death certificate, post mortem report/FIR where applicable, claim forms, medical and title documents, age proof, PAN/Form 60, KYC and bank details","note":null,"quote":"c) The following documentation must necessarily be submitted to Us in order to process the death claim:\ni) Original Policy Document;\nii) Original death certificate issued by the competent authority;\niii) Post mortem report / FIR, where applicable;\niv) Claim forms duly completed as required by Us;\nv) Certificate from physician/hospital last attended showing cause of death wherever applicable;\nvi) A copy of past medical records for diagnosis and treatment with complete details of Illness, wherever applicable.\nvii) Legal evidence of title of the claimant where no valid nomination or assignment under this Policy exists or in cases where the title is in dispute;\nviii) Proof of Age, if the Age has not been admitted under the Policy earlier.\nix) Self-attested copy of the PAN Card or Form 60 of Claimant\nx) KYC documents including photograph of the Claimant\nxi) Bank details with supporting documents of Claimant\nd) We may, however, call for additional documents, if found necessary, in support of the claim.","sources":[{"clause":null,"heading":"Payment of Death Benefits","page":20,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-payment-of-death-benefits"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The CIS states claim requirements after lodging the claim are raised within 10 days, death claim decisions without investigation are within 15 days, and death claim decisions with investigation are within 45 days.","display":"Requirements within 10 days; death claim decision within 15 days without investigation and 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":"For Regular Pay","page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6184#c-for-regular-pay"}],"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":["No benefit will be payable if there is diagnosis of any Critical Illness or any signs or symptoms related to any Critical Illness occurs within the Waiting Period","Suicide Exclusion","sanction, prohibition or restriction under OFAC, United Nations resolutions or the trade or economic sanctions","Disability occurs as a result of any pre-existing condition.","Disability occurs as a result of participation by the insured person in a criminal or unlawful act","Disability occurs as a consequence of the insured person being under the influence of alcohol, drugs, narcotics or psychotropic substances","Disability occurs as a result of self-inflicted injuries or attempted suicide","Disability occurs as a result of taking part in any naval, military or air force operation","Disability occurs as a result of the person engaging in or taking part in professional sport(s) or any hazardous pursuits","Disability occurs as a result of participation by the insured person in any flying activity","Disability occurs as a result of war, invasion, act of foreign enemy, hostilities","Disability occurs as a result of nuclear or radio-active contamination.","Any Illness, sickness or disease other than those specified as Critical Illnesses under this Product","Any Critical Illness caused by any Pre-existing Disease (PED) or any complications arising therefrom."],"display":"CI waiting-period exclusion; suicide; sanctions; ATPD exclusions for pre-existing condition, criminal act, alcohol/drugs, self-injury, military, hazardous pursuits, flying, war and nuclear risks; CI exclusions for non-specified illnesses and PED","note":null,"quote":"b) No benefit will be payable if there is diagnosis of any Critical Illness or any signs or symptoms related to any Critical Illness occurs within the Waiting Period as applicable from either the Policy Commencement Date or date of Revival whichever is later. ... i) Suicide Exclusion:\nIn case of death of Life Assured due to suicide within 12 months from the Date of commencement of Risk under the Policy or from the date of Revival of the Policy, as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of death or the Policy Cancellation Value available 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. ... i) Disability occurs as a result of any pre-existing condition.\nii) Disability occurs as a result of participation by the insured person in a criminal or unlawful act\niii) Disability occurs as a consequence of the insured person being under the influence of alcohol, drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a qualified & registered medical practitioner.\niv) Disability occurs as a result of self-inflicted injuries or attempted suicide; while sane or insane\nv) Disability occurs as a result of taking part in any naval, military or air force operation during peace time or during service in any police, paramilitary or any similar organisation.\nvi) Disability occurs as a result of the person engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to any kind of race; diving or underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee-jumping etc.\nvii) Disability occurs as a result of participation by the insured person in any flying activity, except as a bona fide fare-paying passenger of a recognized airline flying on regular routes and on a scheduled timetable.\nviii) Disability occurs as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes.\nix) Disability occurs as a result of nuclear or radio-active contamination. ... i) Any Illness, sickness or disease other than those specified as Critical Illnesses under this Product;\nii) Any Critical Illness caused by any Pre-existing Disease (PED) or any complications arising therefrom.","sources":[{"clause":"5","heading":"Initial Waiting Period","page":15,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-5-4"},{"clause":"6(a)(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-6-a-i"},{"clause":"6(a)(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-6-a-ii"}],"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 Grievance Redressal Department at the stated Mumbai address, email care@generalicentral.com, website, contact number or toll-free number, or the nearest branch. If the decision is not satisfactory or there is no response within 10 days, contact the Grievance Redressal Officer.","display":"First Grievance Redressal Department; then Grievance Redressal Officer if not satisfactory or no response within 10 days","note":null,"quote":"a) In the event of any complaint/grievance under this Policy, a reference may be made to Our office at the following address giving the nature and full particulars of the grievance: - ... Grievance Redressal Department\nGenerali Central Life Insurance Company Limited\nUnit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai – 400083 Email ID: care@generalicentral.com Our website: www.generalicentrallife.com Contact No: 022-41514500 Toll Free No: 1800 102 2355\nYou may also reach out to Your nearest branch. ... b) In case the decision of the above office is not satisfactory, or there is no response from the office within 10 days, the following official for resolution of the grievance may be contacted:- ... Grievance Redressal Officer\nGenerali Central Life Insurance Company Limited\nUnit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai – 400083 Contact No: 022 41514712 Toll Free: 1800 102 2355 Email: gro@generalicentral.com","sources":[{"clause":"1","heading":"In case of any grievance, please approach the following in the order given below","page":26,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-1-6"},{"clause":null,"heading":"Grievance Redressal Department","page":26,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-grievance-redressal-department"},{"clause":null,"heading":"Grievance Redressal Officer","page":26,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#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 ₹3 Lacs and maximum is as per the Board Approved Underwriting Policy. For ages above 50 years, the maximum sum assured allowed is ₹10,00,000.","display":"Minimum ₹3 Lacs; maximum as per Board Approved Underwriting Policy","note":"From the sales brochure; maximum for ages above 50 years is ₹10,00,000.","quote":"Sum Assured | Minimum - ₹3 Lacs Maximum - As per Board Approved Underwriting Policy ... *Maximum Sum Assured allowed for Ages above 50 years is ₹10,00,000.","sources":[{"clause":null,"heading":"ELIGIBILITY","page":3,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6227#c-eligibility"}],"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 death before the maturity date while the policy has not lapsed or terminated, the death benefit is the higher of 10 times annualized premium, 105% of premiums paid as on death, or sum assured for regular premium; for single premium it is the higher of 1.25 times single premium or sum assured. If death occurs after one of CI or ATPD has already been paid, 50% of sum assured is payable; if both CI and ATPD have already been paid, no death benefit is payable.","display":"Regular: higher of 10 times annualized premium, 105% of premiums paid, or Sum Assured; Single: higher of 1.25 times Single premium or Sum Assured","note":null,"quote":"a) Death Benefit In case of Death of the Life Assured on or after the Date of commencement of risk but before the stipulated Maturity Date and provided that the Policy has not Lapsed or Terminated in accordance with the provisions of Part D, then subject to exclusions mentioned in Part F, Death Benefit payable shall be higher of the following: ... i) For Regular Premium\n• 10 times Annualized Premium (excluding the applicable taxes, Rider premiums and underwriting extra premiums, if any), or\n• 105% of all the premiums paid (excluding any extra premium, any Rider premium and applicable taxes, if collected explicitly) as on date of death, or\n• Sum Assured as specified in the Schedule. ... ii) For Single Premium\n• 1.25 times of Single premium or\n• Sum Assured as specified in the Schedule.\nPayout conditions:\n• On Death before diagnosis of Critical illness or Accidental Total & Permanent Disability, Death Sum Assured will be payable.\n• On Death after diagnosis of either Critical illness or Accidental Total & Permanent Disability, 50% of the Sum Assured will be payable.\n• On Death after diagnosis of both Critical illness and Accidental Total & Permanent Disability, no benefit will be payable.\nThe Policy shall terminate upon payment of entire Death Benefit.","sources":[{"clause":"2","heading":"Benefits","page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-2-2"},{"clause":"2(a)(i)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-2-a-i"},{"clause":"2(a)(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-2-a-ii"}],"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 payable under this policy.","display":"No maturity benefit","note":null,"quote":"c) Maturity Benefit There is no Maturity Benefit payable under this Policy.","sources":[{"clause":"2(a)(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-2-a-ii"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium paying term options are Single Pay or Regular Pay for policy terms of 5 years and 10 years.","display":"Single Pay or Regular Pay; 5 years and 10 years policy terms","note":"From the sales brochure.","quote":"Policy Term and Premium Payment Term | Policy Term Premium Payment Term 5 years and 10 years Single Pay 5 years and 10 years Regular Pay","sources":[{"clause":null,"heading":"ELIGIBILITY","page":3,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6227#c-eligibility"}],"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 65 years.","display":"65 years","note":"From the sales brochure.","quote":"Maturity Age (as on last Birthday) | 23 years to 65 years","sources":[{"clause":null,"heading":"ELIGIBILITY","page":3,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6227#c-eligibility"}],"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 the Life Assured dies due to suicide within 12 months from commencement of risk or revival, the nominee or beneficiary is entitled to at least 80% of total premiums paid till death or the policy cancellation value available on the date of death, whichever is higher, provided the policy is in-force.","display":"Within 12 months: at least 80% of Total Premiums Paid or Policy Cancellation Value, whichever is higher","note":null,"quote":"In case of death of Life Assured due to suicide within 12 months from the Date of commencement of Risk under the Policy or from the date of Revival of the Policy, as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of death or the Policy Cancellation Value available as on the date of death whichever is higher, provided the Policy is in-force.","sources":[{"clause":"6(a)(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-6-a-i"}],"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 value is not applicable under this policy.","display":"Surrender Value is not applicable","note":null,"quote":"Surrender Value is not applicable under this Policy.","sources":[{"clause":"3","heading":"Surrender","page":15,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-3-3"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"There are no reduced paid-up benefits under this policy.","display":"No Reduced Paid-Up benefits","note":null,"quote":"There are no Reduced Paid-Up benefits under this Policy.","sources":[{"clause":"2","heading":"Conversion of this Policy to a Reduced Paid-up Policy","page":15,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-2-3"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"For regular pay, a lapsed policy may be revived within five consecutive years from the date of first unpaid premium or the maturity date, whichever is earlier; revival cannot be done once the policy term is over.","display":"5 consecutive years from the date of first unpaid premium, or maturity date if earlier","note":"For Regular Pay.","quote":"a) If this Policy has Lapsed, it may be revived within the expiry of the Revival Period or the Maturity Date, whichever is earlier, unless this Policy has been cancelled. Revival Period is five (5) consecutive years from the date of first unpaid premium. Revival of this policy cannot be done once the policy term is over.","sources":[{"clause":"6","heading":"Revival (For Regular Pay)","page":15,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-6-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"No loans are granted under the policy.","display":"No loans","note":null,"quote":"No loans shall be granted by the Company under the Policy.","sources":[{"clause":"7","heading":"Loans","page":16,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-7-2"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":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":"After three years from the later of policy issuance, commencement of risk, revival or rider date, the life policy cannot be called in question on any ground. Within three years it may be called in question on the ground of fraud, with written communication of grounds and materials, or on material misstatement or suppression with the stated refund rule.","display":"No questioning after 3 years; within 3 years for fraud or material misstatement/suppression","note":null,"quote":"a) 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. ... b) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the Rider to the policy, whichever is later, on the ground of fraud:\nProvided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision is based. ... d) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the Rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or Rider issued:","sources":[{"clause":"1(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-1-a"},{"clause":"1(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-1-b"},{"clause":"1(d)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-1-d"}],"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 under the policy are subject to applicable laws as amended from time to time, and payments may be subject to deduction of applicable taxes.","display":"Tax benefits subject to applicable laws","note":null,"quote":"Tax benefits under this Policy shall be subject to applicable laws as amended from time to time. Any payment made under this Policy shall be subject to deduction of applicable taxes, if applicable as per law from time to time. You are advised to consult your tax consultant for details.","sources":[{"clause":null,"heading":"3(g) Disclaimers","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-3-g-disclaimers"}],"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":"For Insurance Repository policies, the start date is as stated for existing or new e-Insurance Account.","quote":"a) You may return this Policy within 30 days of receipt of the Policy Document, (whether received electronically or otherwise), if You disagree with any of the terms and conditions of the Policy, by giving Us a request for cancellation of this Policy which states the reasons for Your objections. ... a) For existing e-Insurance Account: Computation of the said Free Look Period will commence from the date of delivery of the e-mail confirming the credit of the Insurance policy by the IR. ... b) For New e-Insurance Account: If an application for e-Insurance Account accompanies the proposal for insurance, the date of receipt of the ‘welcome kit’ from the IR with the credentials to log on to the eInsurance Account (eIA) or the delivery date of the email confirming the grant of access to the eIA or the delivery date of the email confirming the credit of the Insurance policy by the IR to the eIA, whichever is later shall be reckoned for the purpose of computation of the Free Look Period.","sources":[{"clause":"8(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-8-a"},{"clause":"8(a)","heading":"For existing e-Insurance Account","page":16,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-8-a-2"},{"clause":"8(b)","heading":"For New e-Insurance Account","page":16,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-8-b"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for yearly premium payment frequency","note":"For Single Premium, CIS says grace period is not applicable.","quote":"Any Instalment Premium which is not received in full by the Premium Due Date may be paid in full during the Grace Period of 30 days for yearly premium payment frequency from the Premium Due Date. This Policy will remain in-force during the Grace Period. ... Grace Period is not applicable for Single Premium.","sources":[{"clause":"5","heading":"Grace Period","page":13,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253#c-5-3"},{"clause":null,"heading":"For Regular Pay","page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6184#c-for-regular-pay"}],"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":"Entry age is 18 years to 60 years, as on last birthday.","display":"18 years to 60 years","note":"From the sales brochure.","quote":"Entry Age (as on last Birthday) | 18 years to 60 years","sources":[{"clause":null,"heading":"ELIGIBILITY","page":3,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6227#c-eligibility"}],"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":["Yearly","Single"],"display":"Yearly, Single","note":"From the sales brochure.","quote":"Premium Payment Frequency | Yearly, Single","sources":[{"clause":null,"heading":"ELIGIBILITY","page":3,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6227#c-eligibility"}],"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 Pay","Regular Pay"],"display":"Single Pay, Regular Pay","note":"From the sales brochure.","quote":"Policy Term and Premium Payment Term | Policy Term Premium Payment Term 5 years and 10 years Single Pay 5 years and 10 years Regular Pay","sources":[{"clause":null,"heading":"ELIGIBILITY","page":3,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6227#c-eligibility"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Generali Central Saral Ashray Yojana Policy Document","pages":41,"fetched_at":"2026-10-17 19:38:29+00","source_url":"https://www.generalicentrallife.com/docs/saral_ashray_yojana/policy_document.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6253"},{"kind":"cis","label":"Generali Central Saral Ashray Yojana Customer Information Sheet","pages":2,"fetched_at":"2026-10-17 19:33:55+00","source_url":"https://www.generalicentrallife.com/docs/saral_ashray_yojana/customer_information_sheet.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6184"},{"kind":"brochure","label":"Generali Central Saral Ashray Yojana Product Brochure","pages":26,"fetched_at":"2026-10-17 19:38:04+00","source_url":"https://www.generalicentrallife.com/docs/saral_ashray_yojana/product_brochure.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01/document/6227"}],"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 Saral Ashray Yojana (UIN 133N105V01), IndiaInsurances, https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-saral-ashray-yojana-133n105v01"}