{"uin":"133N122V01","name":"Generali Central Sunehra Pension Plan","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01","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":"pension-annuity","category_name":"Pension and annuity","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Generali Central Sunehra Pension Plan is a participating, non-linked, pension, individual savings plan. The policy term can be 5 to 40 years, with death and vesting benefits based on total premiums paid and bonuses.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:45:30.783782+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"5 years to 40 years.","display":"5 years to 40 years","note":"From the sales brochure.","quote":"Flexibility to select Policy Term from 5 years to 40 years","sources":[{"clause":null,"heading":"Why go for the Generali Central","page":3,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6202#c-why-go-for-the-generali-central"}],"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 immediately in writing. Proof of death and required documents must be furnished within 90 days from the date of death, unless delay beyond the claimant's control is accepted.","display":"Notify immediately in writing; documents within 90 days from death","note":null,"quote":"a) The death of the Life Assured must be notified immediately to Us in writing.\nb) Proof of death and any appropriate documents as required by Us must be completed and furnished to Us, within 90 days from the date of death of the Life Assured, unless specified otherwise.","sources":[{"clause":"4","heading":"Claims Procedures Payment of Death Benefits","page":26,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-4-5"}],"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","Postmortem 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","Annuity Proposal Form, Self-attested copy of the PAN Card or Form 60 and KYC documents if not submitted already","Bank details with supporting documents such as cancelled cheque or bank passbook","Original Policy bond","Such other documents as may be required under applicable laws notified from time to time"],"display":"Death claim documents include original policy document, death certificate, claim forms, medical and KYC documents; maturity documents include annuity proposal form, PAN/Form 60, KYC, bank details and original policy bond.","note":null,"quote":"i) Original Policy Document;\nii) Original death certificate issued by the competent authority;\niii) Postmortem 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 ... i) Annuity Proposal Form, Self-attested copy of the PAN Card or Form 60 and KYC documents if not submitted already\nii) Bank details with supporting documents such as cancelled cheque or bank passbook\niii) Original Policy bond, unless it is waived in the case of electronic policies through insurance repositories or for other reasons as per internal Policy of the Company\niv) Such other documents as may be required under applicable laws notified from time to time.","sources":[{"clause":"Part F","heading":null,"page":27,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-part-f-4"},{"clause":null,"heading":"Payment of Maturity/Vesting Benefits","page":27,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-payment-of-maturity-vesting-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 are raised within 10 days after lodging the claim, death claim decisions without investigation within 15 days, and death claim decisions with investigation within 45 days.","display":"Requirements within 10 days; death claim decision within 15 days without investigation or 45 days with investigation","note":"From the CIS.","quote":"Claims TAT 1. Raising claim requirements after lodging the claim- Within 10 days 2. Death claim decision for cases without investigation requirement- Within 15 days 3. Death claim decision for cases with investigation requirement- Within 45 days","sources":[{"clause":null,"heading":"LIFE INSURANCE","page":1,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6169#c-life-insurance-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Suicide Exclusion","Other Exclusion: sanctions, prohibition or restriction under OFAC, United Nations resolutions or trade or economic sanctions, laws or regulations"],"display":"Suicide within 12 months; sanctions/OFAC/UN/EU/USA/Government of India restrictions","note":null,"quote":"a) Suicide Exclusion:\nIn case of death of Life Assured due to suicide within 12 months from the Date of Commencement of Policy 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 Surrender Value available as on the date of death whichever is higher, provided the Policy is In-force. ... b) Other Exclusion:\nWe 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":"8(a)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-8-a"},{"clause":"8(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-8-b"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First approach the Grievance Redressal Department at the insurer's office, by email at care@generalicentral.com or through the nearest branch. If the decision is not satisfactory or there is no response within 10 days, contact the Grievance Redressal Officer at gro@generalicentral.com before escalating further.","display":"First Grievance Redressal Department; then Grievance Redressal Officer if not satisfied 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: - ... Email ID: care@generalicentral.com Our website: www.generalicentrallife.com Contact No: 022-41514500 Toll Free No: 1800 102 2355\nYou may also reach out to Your nearest branch. ... b) In case the decision of the above office is not satisfactory, or there is no response from the office within 10 days, the following official for resolution of the grievance may be contacted: - ... Grievance Redressal Officer\nGenerali Central Life Insurance Company Limited\nUnit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai – 400083 Contact No: 022 41514712 Toll Free No: 1800 102 2355 Email: gro@generalicentral.com","sources":[{"clause":"1(a)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-1-a-2"},{"clause":null,"heading":"Grievance Redressal Department","page":30,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-grievance-redressal-department"},{"clause":"1(b)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-1-b-2"},{"clause":null,"heading":"Grievance Redressal Officer","page":30,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#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":"Sum Assured minimum is ₹50,000 and maximum is as per Board Approved Underwriting Policy. For Limited Premium/Regular Pay, Sum Assured is PPT × Annualized Premium; for Single Premium Pay, it is the single premium paid, excluding taxes, rider premiums, underwriting extra premiums and modal loadings.","display":"Minimum ₹50,000; maximum as per Board Approved Underwriting Policy. Sum Assured is PPT × Annualized Premium, or Single premium paid for Single Pay.","note":"The minimum and maximum are from the sales brochure.","quote":"Sum Assured | Minimum ₹50,000 Maximum As per Board Approved Underwriting Policy ... For Limited Premium/ Regular Pay - “Sum Assured” is equal to PPT * Annualized Premium (excluding taxes, rider premiums, underwriting extra premiums and loadings for modal premiums). For Single Premium Pay - “Sum Assured” is equal to Single premium paid (excluding taxes, rider premiums, underwriting extra premiums and loadings for modal premiums). “Sum Assured on Vesting” is equal to Sum Assured.","sources":[{"clause":null,"heading":"Plan Summary","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6202#c-plan-summary"},{"clause":"2(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-2-ii"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"If the Life Assured dies during the policy term while the policy is not lapsed or reduced paid-up, the death benefit is the higher of Assured Benefit on death plus accrued reversionary bonus plus interim/terminal bonus, or 105% of total premiums paid. Assured Benefit on death is 101% of total premiums paid.","display":"Higher of Assured Benefit on death plus bonuses, or 105% of Total Premiums Paid; Assured Benefit on death is 101% of Total Premiums Paid","note":"On death, the nominee may use all or part of the proceeds to purchase an annuity, or withdraw the entire proceeds.","quote":"If the Life Assured dies on or after the Date of Commencement of Policy but during the Policy Term and provided that the Policy has not Lapsed or been converted into a Reduced Paid-up Policy, the Death Benefit payable shall be as specified in the Schedule and in accordance with the provisions of this Part C below- Death Benefit payable shall be higher of: ... i) Assured Benefit on death plus Accrued Reversionary Bonus plus Interim/Terminal Bonus (if declared) ... ii) 105% of Total Premiums Paid (excluding taxes, rider premiums and extra premiums, if collected explicitly) as on date of death. ... “Assured Benefit on Death”: means the minimum amount payable on death of the Life Assured and is equal to 101% of the Total Premiums Paid as on the Date of Death.","sources":[{"clause":"1","heading":"Death Benefit","page":11,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-1-3"},{"clause":"1(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-1-i"},{"clause":"1(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-1-ii"},{"clause":"7","heading":"“Assured Benefit on Death”","page":7,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-7"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival to the maturity/vesting date after all instalment premiums have been received in full, the vesting benefit is the higher of Sum Assured on Vesting plus accrued reversionary bonus plus terminal bonus, or Assured Benefit on Vesting. Assured Benefit on Vesting is 105% of total premiums paid.","display":"Higher of Sum Assured on Vesting plus bonuses, or Assured Benefit on Vesting; Assured Benefit on Vesting is 105% of Total Premiums Paid","note":"On vesting, the policyholder may use all proceeds to buy annuity, commute up to 60% and use the balance to buy annuity, or buy annuity from another insurer for the permitted percentage.","quote":"If the Life Assured is alive on the Maturity/Vesting Date and if all Instalment Premiums have been received in full, the vesting benefit payable will be the higher of: ... i) Sum Assured on Vesting plus Accrued Reversionary Bonus plus Terminal Bonus (if declared) ... ii) Assured Benefit on Vesting ... “Assured Benefit on Vesting”: means the minimum amount payable to the Policyholder on the Vesting Date and is equal to 105% of the Total Premiums Paid.","sources":[{"clause":"2","heading":"Maturity/Vesting Benefit","page":11,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-2-4"},{"clause":"2(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-2-i"},{"clause":"2(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-2-ii"},{"clause":"8","heading":"“Assured Benefit on Vesting”","page":7,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-8"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"For Single Pay the premium paying term is 1 year; for Limited Pay it is 2 to 15 years; for Regular Pay it is 5 to 40 years.","display":"Single Pay: 1 Year; Limited Pay: 2 - 15 Years; Regular Pay: 5 - 40 Years","note":"From the sales brochure.","quote":"Premium Payment Term | For Single Pay: 1 Year For Limited Pay: 2 - 15 Years For Regular Pay: 5 - 40 Years","sources":[{"clause":null,"heading":"Plan Summary","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6202#c-plan-summary"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The maturity age is minimum 40 years and maximum 80 years.","display":"Maximum 80 years","note":"From the sales brochure.","quote":"Maturity Age (As on last Birthday) | Minimum 40 years Maximum 80 years","sources":[{"clause":null,"heading":"Plan Summary","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6202#c-plan-summary"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If the Life Assured dies due to suicide within 12 months from the Date of Commencement of Policy or from revival, the nominee or beneficiary is entitled to at least 80% of total premiums paid till death or the surrender value available on the date of death, whichever is higher, provided the policy is in-force.","display":"Within 12 months: at least 80% of Total Premiums Paid or Surrender 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 Policy 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 Surrender Value available as on the date of death whichever is higher, provided the Policy is In-force.","sources":[{"clause":"8(a)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-8-a"}],"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":"Single premium policies acquire surrender value immediately on payment of due premium. Limited premium policies with premium payment term under 5 years acquire it immediately on receipt of the first full year's premium, and regular/limited premium policies with premium payment term 5 years or more acquire it after completion of the first policy year if one full year premium has been received; on surrender the higher of GSV and SSV is paid.","display":"Higher of GSV and SSV; acquisition is immediate for Single Pay, after first full year's premium for limited PPT under 5 years, and after first policy year for regular/limited PPT of 5 years or more","note":"On surrender, proceeds are to be used for annuity or commutation options as specified for pension proceeds.","quote":"For Single premium, the policy shall immediately acquire Surrender Value on payment of due premium. For Limited Premium Payment Term policies with a premium payment term of less than 5 years, the policy shall acquire a Surrender Value immediately upon receipt of the first full year’s premium. For Regular/Limited premium policies with a premium payment term of greater than or equal to 5 years, the policy shall acquire a Surrender Value after completion of first policy year provided one full year premium has been received.\nThe policyholder may terminate the policy any time before the end of policy term by surrendering the policy for a surrender value. On surrender, the higher of Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV) will be paid.","sources":[{"clause":"Part D","heading":null,"page":15,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-part-d-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If premiums for the first or more policy years have been paid and a subsequent premium is not paid within the grace period, the policy becomes paid-up. It will not accrue future bonuses, already accrued bonuses remain attached, and paid-up sum assured equals Sum Assured × Number of Premiums Paid / Total number of premiums payable.","display":"After first or more policy years' premiums are paid, non-payment makes the policy paid-up; no future bonuses; Paid-Up Sum Assured = Sum Assured × Number of Premiums Paid / Total number of premiums payable","note":null,"quote":"If due premiums for the first or more policy years have been paid and any subsequent premium is not paid within the grace period, the policy will be converted into a paid-up policy. If a policy is converted into a paid-up policy, it will not accrue any future bonuses. The bonuses already accrued, remains attached to the policy. The paid-up sum assured is calculated as follows:\nPaid-Up Sum Assured = Sum Assured * (Number of Premiums Paid / Total number of premiums payable)","sources":[{"clause":"4","heading":"Paid Up","page":19,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-4-4"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed or paid-up policy can be revived within five years from the due date of the first unpaid premium, but not after the policy term is over. Revival requires an application, proof of continued insurability and payment of all overdue premiums with interest, if any, and is subject to the company's decision.","display":"Within five years from the due date of first unpaid premium","note":null,"quote":"• The policyholder can revive a lapsed/ paid-up policy within five years from the due date of first unpaid premium.\n• Revival of a Policy cannot be done once the Policy Term is over.\n• The revival will be considered on receipt of application from the policyholder along with the proof of continued insurability of life assured and the payment of all overdue premiums with interest, if any. The Company, however, reserves the right to accept on original terms, or on modified terms or decline the revival of a discontinued policy.","sources":[{"clause":"2","heading":"Revival","page":14,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-2-5"}],"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":"Loan is available only during the policy term after the policy has acquired surrender value, up to 85% of the surrender value. The minimum loan amount is Rs. 10,000 and policy loan will not be extended beyond the maturity date.","display":"Available up to 85% of Surrender Value; minimum Rs. 10,000; not beyond Maturity Date","note":null,"quote":"Loan is available only during the policy term. Provided the policy has acquired Surrender Value, loan is available under the policy to the extent of 85% of the Surrender Value subject to the following conditions. ... • The minimum amount of policy loan that can be taken is Rs. 10,000/-. ... • Policy loan will not be extended beyond the Maturity Date.","sources":[{"clause":"5","heading":"Loans","page":19,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-5-5"},{"clause":"Part D","heading":null,"page":20,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-part-d-9"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["Generali Central Non-Linked Accidental Death Benefit Rider (UIN: 133B054V01)","Generali Central Non-Linked Accidental Total & Permanent Disability Rider (UIN: 133B056V01)"],"display":"Generali Central Non-Linked Accidental Death Benefit Rider and Accidental Total & Permanent Disability Rider","note":"From the sales brochure; riders are optional and sold for additional protection.","quote":"3. Riders A. Generali Central Non-Linked Accidental Death Benefit Rider (UIN: 133B054V01) ... B. Generali Central Non-Linked Accidental Total & Permanent Disability Rider (UIN: 133B056V01)","sources":[{"clause":null,"heading":"3. Riders A. Generali Central Non-Linked Accidental Death Benefit Rider (UIN: 133B054V01)","page":11,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6202#c-3-riders-a-generali-central-non-linked-accidenta"}],"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 date of the policy, commencement of risk, revival, or rider, whichever is later. Within three years it may be questioned on fraud, or on material misstatement or suppression with written grounds and materials.","display":"No policy can be called in question after three years; within three years, fraud or material misstatement grounds apply","note":null,"quote":"(1) No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e., from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later.\n(2) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground of fraud: ... (4) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or rider issued:","sources":[{"clause":"1","heading":"Fraud and Misstatement","page":24,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-1-6"},{"clause":"Part F","heading":null,"page":25,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#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 under the policy are subject to applicable laws as amended from time to time, and payments may be subject to deduction of applicable taxes; the policyholder is advised to consult a tax consultant.","display":"Tax benefits subject to applicable laws; consult your tax consultant","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":5,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#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":null,"quote":"The Policyholder shall have an option to return the policy within 30 days of receipt of the Policy Document (whether received electronically or otherwise), if Policyholder disagrees to any policy terms and conditions, or otherwise and has not made any claim","sources":[{"clause":"7","heading":"Free Look Period","page":21,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-7-3"}],"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, half-yearly and quarterly; 15 days for monthly","note":"Single Pay: not applicable.","quote":"For Limited/Regular Pay: 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, half-yearly and quarterly Premium Payment frequencies and 15 days for monthly Premium Payment frequencies from the Premium Due Date. This Policy will remain In-force during the Grace Period. ... For Single Pay: Not Applicable","sources":[{"clause":"7","heading":"Grace Period","page":13,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-7-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 18 years and maximum entry age is 75 years, age last birthday.","display":"Minimum 18 years; maximum 75 years","note":"From the sales brochure.","quote":"Entry Age (As on last Birthday) | Minimum 18 years Maximum 75 years","sources":[{"clause":null,"heading":"Plan Summary","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6202#c-plan-summary"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Yearly","Half Yearly","Quarterly","Monthly"],"display":"Yearly, Half Yearly, Quarterly & Monthly","note":"From the sales brochure.","quote":"Premium Mode | Yearly, Half Yearly, Quarterly & Monthly","sources":[{"clause":null,"heading":"Plan Summary","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6202#c-plan-summary"}],"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","Limited Pay","Regular Pay"],"display":"Single Pay, Limited Pay & Regular Pay","note":"From the sales brochure; the brochure uses the row label Premium Payment Frequency for payment types.","quote":"Premium Payment Frequency | Single Pay, Limited Pay & Regular Pay","sources":[{"clause":null,"heading":"Plan Summary","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6202#c-plan-summary"}],"law":[]},{"key":"annuity_options","label":"Annuity options","section":"Cover","meaning":"Life annuity, joint life, return of purchase price, increasing annuity...","status":"quote-verified","value":["To utilize the entire proceeds to purchase annuity from the same insurer at the then prevailing annuity rate","To commute up to 60% and utilize the balance amount to purchase annuity from the same insurer at the then prevailing annuity rate","purchase annuity from another insurer at the then prevailing rate to the extent of percentage, as stipulated by the Authority, currently 50%, of the entire proceeds of the policy net of commutation"],"display":"Use entire proceeds to buy annuity from same insurer; commute up to 60% and buy annuity with the balance; or buy annuity from another insurer up to the permitted percentage, currently 50%","note":"These are vesting proceeds options; the document does not list life annuity or joint-life annuity variants for the annuity to be purchased.","quote":"On vesting, the policyholder can exercise any one of the following options:\ni. To utilize the entire proceeds to purchase annuity from the same insurer at the then prevailing annuity rate. ... ii. To commute up to 60% and utilize the balance amount to purchase annuity from the same insurer at the then prevailing annuity rate.\niii. The Policyholder shall have an option to purchase annuity from another insurer at the then prevailing rate to the extent of percentage, as stipulated by the Authority, currently 50%, of the entire proceeds of the policy net of commutation.","sources":[{"clause":"2(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-2-ii"},{"clause":"Part C","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-part-c-2"}],"law":[]},{"key":"purchase_price_min","label":"Minimum purchase price","section":"Eligibility","meaning":"Smallest lump sum or annuity accepted.","status":"quote-verified","value":"Minimum premium amount is ₹4,415 for monthly mode, ₹13,250 for quarterly mode, ₹26,000 for half-yearly mode, ₹50,000 for annual mode, and ₹50,000 for Single Pay.","display":"Minimum premium: ₹4,415 monthly; ₹13,250 quarterly; ₹26,000 half-yearly; ₹50,000 annual; ₹50,000 Single Pay","note":"From the sales brochure. The policy wording states that Purchase Price and Premium are used interchangeably.","quote":"Premium amount | Minimum • ₹4,415 for monthly mode • ₹13,250 for quarterly mode • ₹26,000 for half-yearly mode • ₹50,000 for annual mode • ₹50,000 for Single Pay","sources":[{"clause":null,"heading":"Plan Summary","page":4,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6202#c-plan-summary"}],"law":[]},{"key":"deferment","label":"Deferment period","section":"Cover","meaning":"For deferred plans, how long before income starts.","status":"quote-verified","value":"Vesting or maturity is at the end or completion of the policy term. The policy term range stated in the sales brochure is 5 years to 40 years.","display":"Until vesting/maturity at the end of the Policy Term; 5 years to 40 years","note":"The 5 to 40 years range is from the sales brochure.","quote":"“Vesting/ Maturity (of Policy)” means the end/ completion of the Policy Term on the ‘Date of Vesting/ Maturity’ mentioned in the Schedule. ... Flexibility to select Policy Term from 5 years to 40 years","sources":[{"clause":"Part B","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-part-b-3"},{"clause":null,"heading":"Why go for the Generali Central","page":3,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6202#c-why-go-for-the-generali-central"}],"law":[]},{"key":"annuity_frequency","label":"Payout frequency","section":"Cover","meaning":"Monthly, quarterly, half-yearly, yearly.","status":"quote-verified","value":["yearly","half-yearly","quarterly","monthly"],"display":"yearly, half-yearly, quarterly, and monthly","note":null,"quote":"“Mode” refers to the frequency of Annuity payment as chosen by the Annuitant from the available modes of annuity i.e. yearly, half-yearly, quarterly, and monthly. The Annuity shall be payable in arrears","sources":[{"clause":"Part B","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239#c-part-b-2"}],"law":[]},{"key":"annuity_rate_example","label":"Example annuity rate","section":"Cover","meaning":"An example from the document; rates change with age and over time.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Generali Central Sunehra Pension Plan Policy Document","pages":40,"fetched_at":"2026-10-17 19:38:14+00","source_url":"https://www.generalicentrallife.com/docs/sunehra_pension_plan/policy_document.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6239"},{"kind":"cis","label":"Generali Central Sunehra Pension Plan Customer Information Sheet","pages":2,"fetched_at":"2026-10-17 19:33:08+00","source_url":"https://www.generalicentrallife.com/docs/sunehra_pension_plan/customer_information_sheet.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6169"},{"kind":"brochure","label":"Generali Central Sunehra Pension Plan Product Brochure","pages":23,"fetched_at":"2026-10-17 19:37:37+00","source_url":"https://www.generalicentrallife.com/docs/sunehra_pension_plan/product_brochure.pdf","url":"https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01/document/6202"}],"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 Sunehra Pension Plan (UIN 133N122V01), IndiaInsurances, https://indiainsurances.com/policy/generali-central-life-insurance/generali-central-sunehra-pension-plan-133n122v01"}