{"uin":"136N099V01","name":"Promise2Secure","url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01","insurer":{"slug":"canara-hsbc-life-insurance","name":"Canara HSBC Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/canara-hsbc-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":"Canara HSBC Life Insurance Promise2Secure is a non-linked, non-participating individual pure risk premium life insurance plan with Life Secure and Life Secure with Return of Premium options. The base minimum sum assured is ₹ 25 Lakhs under Life Secure and ₹ 15 Lakhs under Life Secure with Return of Premium, and the free-look period is 30 days.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:39:07.720616+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":["Life Secure","Life Secure with Return of Premium"],"display":"Life Secure; Life Secure with Return of Premium","note":null,"quote":"There are two Plan Options available under this Policy: ... i) Life Secure ... ii) Life Secure with Return of Premium","sources":[{"clause":"1","heading":"BENEFITS","page":15,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-1-2"},{"clause":"1(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-1-i"},{"clause":"1(ii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-1-ii"}],"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":"Minimum policy term is 5 years for Life Secure and 10 years for Life Secure with Return of Premium. Maximum policy term is 81 years, subject to 99 minus age at entry.","display":"Life Secure: 5 to 81 years; Life Secure with Return of Premium: 10 to 81 years","note":"From the sales brochure. 5-9 year policy terms under Life Secure are available only for entry ages 35 years and above.","quote":"Minimum Policy Term# | Life Secure$: 5* years Life Secure with Return of Premium$$: 10 Years\nMaximum Policy Term# | Life Secure$: 81 Years (99 minus age at entry)**$$$ Life Secure with Return of Premium: 81 Years (99 minus age at Entry)$$ ... *5-9 years of Policy Terms are only available for ages at entry of 35 years and above","sources":[{"clause":null,"heading":"PLAN AT A GLANCE","page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/19023#c-plan-at-a-glance"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Death and accidental disability claims should be informed in writing immediately within 90 days. Terminal illness must be notified within thirty (30) days of diagnosis.","display":"Death/ATPD: immediately within 90 days; Terminal Illness: within 30 days","note":null,"quote":"In the event of death of the Life Assured/Spouse, other than due to Accident, to register the claim, the Claimant shall endeavor to inform in writing immediately within a period of 90 days of such death ... In the event of the ATPD of the Life Assured/Spouse to register the claim under the Policy, the Claimant will endeavor to inform Us in writing immediately within a period of 90 days of such incident ... The Company must be notified of the diagnosis within thirty (30) days of the same being made.","sources":[{"clause":null,"heading":"D. Exclusions for Critical Illness Benefit","page":32,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-d-exclusions-for-critical-illness-benefit"},{"clause":null,"heading":"C. Waiver of Premium on Diagnosis of Terminal Illness","page":16,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-c-waiver-of-premium-on-diagnosis-of-terminal-ill"}],"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":["Policy Document","Death certificate issued by Government authority","Attested copy of photo identity and address proof of the Claimant and Life Assured / Spouse","Company Specific Claim formats duly completed and signed – Claim Form, Physician's Statement, Treating Hospital Certificate in case of hospitalization, Employer Certificate","Hospital records/other medical records","Post-mortem/ chemical viscera report, wherever conducted","Cancelled cheque/ Bank Passbook (Bank Account details) of Nominee/ Beneficiary","Police Records - First Information Report, Panchnama, Police Investigation Report, and Final Police Report only in case of unnatural death","Bank account details for money transfer","documentation on FEMA compliance","A certificate from the treating consultant regarding the life expectancy of the insured"],"display":"Policy document, death certificate, identity/address proofs, insurer claim forms, medical records, post-mortem/viscera if conducted, bank details, police records where applicable, maturity bank/FEMA/KYC documents, and terminal illness life-expectancy certificate","note":"The quoted list is for death, maturity and terminal illness claims; accidental death and ATPD claims require similar identity, bank, medical and police records as applicable.","quote":"x Policy Document x Death certificate issued by Government authority; x Attested copy of photo identity and address proof of the Claimant and Life Assured / Spouse; x Company Specific Claim formats duly completed and signed – Claim Form, Physician's Statement, Treating Hospital Certificate in case of hospitalization, Employer Certificate; x Hospital records/other medical records in case of hospitalization; x Post-mortem/ chemical viscera report, wherever conducted x Cancelled cheque/ Bank Passbook (Bank Account details) of Nominee/ Beneficiary; ... x Police Records - First Information Report, Panchnama, Police Investigation Report, and Final Police Report only in case of unnatural death. ... a) Bank account details for money transfer (in case the same are not updated),\nb) With respect to NRI/NR customers, documentation on FEMA compliance or such applicable law,\nc) Any other documents including KYC as may be required. ... A certificate from the treating consultant regarding the life expectancy of the insured is necessary.","sources":[{"clause":null,"heading":"D. Exclusions for Critical Illness Benefit","page":32,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-d-exclusions-for-critical-illness-benefit"},{"clause":"Part F(c)(vii)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-part-f-c-vii"}],"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":"Death claims are settled within 15 days from intimation, except cases warranting investigation. Death claims warranting investigation are settled within 45 days from intimation.","display":"15 days from intimation; 45 days if investigation is required","note":null,"quote":"Turn Around Time (TAT) for death claims settlement:\nDeath claim, except in cases warranting investigation | Within 15 days from the date of intimation of claim\nDeath claim warranting investigation | Within 45 days from the date of intimation of claim","sources":[{"clause":"Part F(c)(vii)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-part-f-c-vii"}],"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":["diagnosis of any Critical Illness or any signs or symptoms related to any Critical Illness occurs within the Waiting Period","death of Life Assured / Spouse due to suicide within 12 months","Taking part in any hazardous sport or pastimes","Flying in any kind of aircraft, other than as a bonafide passenger","Self-inflicted injury, suicide or attempted suicide-whether sane or insane","Under the influence or abuse of drugs, alcohol, narcotics or psychotropic substance","Service in any military, air force, naval or paramilitary organization","War, civil commotion, invasion, terrorism, hostilities","Taking part in any criminal or illegal activity with criminal intent","Exposure to Nuclear reaction, biological radiation or nuclear or chemical contamination","Any Pre-existing condition","Any External Congenital Anomaly which is not as a consequence of Genetic disorder"],"display":"Critical illness waiting period, suicide within 12 months, and accidental/critical illness exclusions including hazardous sports, non-passenger flying, self-inflicted injury, drugs/alcohol, military service, war/terrorism, criminal acts, nuclear/biological/chemical contamination, pre-existing conditions and certain congenital anomalies","note":"Most listed exclusions apply to optional Accidental Death Benefit, ATPD and Critical Illness covers; the base death benefit exclusion stated in the policy is the suicide clause.","quote":"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. ... In case of death of Life Assured / Spouse due to suicide within 12 months ... Taking part in any hazardous sport or pastimes ... Flying in any kind of aircraft, other than as a bonafide passenger ... Self-inflicted injury, suicide or attempted suicide-whether sane or insane ... Under the influence or abuse of drugs, alcohol, narcotics or psychotropic substance ... Service in any military, air force, naval or paramilitary organization. ... War, civil commotion, invasion, terrorism, hostilities ... Taking part in any criminal or illegal activity with criminal intent ... Exposure to Nuclear reaction, biological radiation or nuclear or chemical contamination. ... Any Pre-existing condition* or physical condition ... Any External Congenital Anomaly which is not as a consequence of Genetic disorder.","sources":[{"clause":"Part B(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-part-b-i"},{"clause":"Part F","heading":"General Conditions","page":30,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-part-f"},{"clause":null,"heading":"D. Exclusions for Critical Illness Benefit","page":32,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-d-exclusions-for-critical-illness-benefit"}],"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 complain to the insurer through its Complaint Redressal Unit or resolution centre/Grievance Officers at hub locations. If not satisfied or no response is received, write to the Grievance Redressal Officer before approaching IRDAI or the Insurance Ombudsman.","display":"Complaint Redressal Unit first, then Grievance Redressal Officer","note":null,"quote":"In case You wish to register a complaint with Us, You may visit our website: www.canarahsbclife.com, approach our resolution centre, Grievance Officers at Hub locations, or may write to Us at: Complaint Redressal Unit ... In case you are not satisfied with Our response or have not received any response, You may write to our Grievance Redressal Officer","sources":[{"clause":"Part G","heading":null,"page":35,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-part-g"}],"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 base sum assured is ₹ 25 Lakhs under Life Secure and ₹ 15 Lakhs under Life Secure with Return of Premium. Maximum sum assured is no limit, subject to the Board Approved Underwriting Policy; for a non-working spouse it is ₹ 50 Lakhs.","display":"Minimum: ₹ 25 Lakhs (Life Secure), ₹ 15 Lakhs (Return of Premium); Maximum: no limit subject to underwriting, ₹ 50 Lakhs for non-working spouse","note":"From the sales brochure. Optional in-built covers have separate minimum and maximum limits.","quote":"Minimum Sum Assured | Life Secure: ₹ 25 Lakhs ... Life Secure with Return of Premium: ₹ 15 Lakhs ... No Limit (Subject to Board Approved Underwriting Policy) ; For Non-working Spouse: ₹ 50 Lakhs For Non-working Spouse: ₹ 50 Lakhs","sources":[{"clause":null,"heading":"PLAN AT A GLANCE","page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/19023#c-plan-at-a-glance"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Life Secure offers Regular Pay and limited pay options of 5, 10, 15 or up to age 60 years. Life Secure with Return of Premium offers Regular Pay and limited pay options of 10, 15 or up to age 60 years.","display":"Life Secure: regular pay or 5/10/15/up to age 60; Return of Premium: regular pay or 10/15/up to age 60","note":"From the sales brochure. Spouse coverage and optional covers may have PPT restrictions stated in the brochure notes.","quote":"Premium Payment Term (PPT) #^ | Life Secure^^@@ Regular Pay Limited Pay options of 5^/10/15/Up to age 60 years@ Life Secure with Return of Premium###: Regular Pay Limited Pay options of 10/15/Up to age 60 years","sources":[{"clause":null,"heading":"PLAN AT A GLANCE","page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/19023#c-plan-at-a-glance"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If the Life Assured or Spouse dies by suicide within 12 months from risk commencement or revival, the nominee/claimant is entitled to at least 80% of total premiums paid for the respective cover, or the respective early exit value/surrender value available on the date of death, whichever is higher, provided the policy is in-force or paid-up.","display":"Within 12 months: at least 80% of total premiums paid or early exit/surrender value, whichever is higher","note":null,"quote":"Suicide Clause: In case of death of Life Assured / Spouse 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/claimant shall be entitled to at least 80% of the Total Premiums Paid till the date of death for their respective cover or their respective early exit value / surrender value available as on the date of death whichever is higher, provided the policy is in-force / paid-up.","sources":[{"clause":"Part F","heading":"General Conditions","page":30,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-part-f"}],"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":"For Life Secure limited premium policies, surrender benefit is available after all premiums due under the chosen PPT are paid and is 50% x premiums paid x unexpired term/policy term; no surrender value is payable for regular premium policies. For Life Secure with Return of Premium, surrender value is the higher of Guaranteed Surrender Value and Special Surrender Value, with GSV after at least the first 2 consecutive policy years' premiums and SSV after completion of the first policy year if one full policy year's premium has been received.","display":"Life Secure limited pay: 50% x premiums paid x unexpired term/policy term; regular pay: none. Return of Premium: higher of GSV and SSV","note":null,"quote":"In case of Limited Premium policies, the surrender benefit will be available after payment of all Premiums due under the Policy as per the chosen PPT. No Surrender Value is payable in case of Regular Premium policies. ... Limited Premium | 50% x Premiums paid x [Unexpired Term / Policy Term]\nRegular Premium | Not Applicable ... The Surrender Value payable shall be higher of Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV). The Policy acquires Guaranteed Surrender Value (as defined below) after receipt of at least first 2 consecutive Policy Years' Premiums in full. ... The Special Surrender Value (SSV) shall become payable after completion of first Policy Year provided one full Policy Year¶s Premium has been received by Us.","sources":[{"clause":"5","heading":"Surrender A. Plan Option: Life Secure","page":25,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-5"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"Life Secure does not offer any paid-up value. Life Secure with Return of Premium acquires paid-up state after at least the first policy year's premium is paid in full and a subsequent due premium is not paid within the grace period; the policyholder receives the applicable Paid-Up Sum Assured for the covered contingent event, survival or maturity.","display":"Life Secure: no paid-up value. Return of Premium: paid-up after first policy year's premium is paid in full","note":null,"quote":"A. Plan Options: Life Secure This Plan Option does not offer any Paid-Up value as this is a pure protection Plan Option. ... After payment of at least first Policy Year¶ Premium in full, if any subsequently due Premium is not paid on the due date or within the Grace Period, the Policy shall acquire a Paid-Up State. Once the Policy is in Paid-Up State and provided the Policy is not surrendered, the Policyholder will receive the Paid-Up Sum Assured as applicable in the contingent event covered, survival or maturity corresponding to the Paid-Up State","sources":[{"clause":"4","heading":"Paid-Up","page":25,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-4"},{"clause":null,"heading":"B. Plan Option: Life Secure with Return of Premium","page":25,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-b-plan-option-life-secure-with-return-of-premium"}],"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 may be revived within five (5) years from the date of the first unpaid premium during the policy term, by request, paying all unpaid premiums with interest, and providing evidence of insurability and health to the insurer's satisfaction.","display":"Within five (5) years from the first unpaid premium","note":null,"quote":"You may revive the Policy in Lapsed State or Paid-Up State by giving Us a request and paying all due unpaid installments of Premium with interest at the rate specified by Us subject to completing other requirements as may be stipulated by Us, within the Revival Period of five (5) years from the date of the first un-paid Premium and during the Policy Term ... You shall provide the evidence of insurability and health of the Life Assured/ Spouse to Our satisfaction.","sources":[{"clause":"6","heading":"Revival","page":27,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-6"}],"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":"There are no loans available in this policy.","display":"No policy loan","note":null,"quote":"There are no loans available in this Policy.","sources":[{"clause":"7","heading":"Policy Loan","page":27,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-7"}],"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":["Accidental Death Benefit (ADB)","Accidental Total and Permanent Disability (ATPD): Premium Protection","Accidental Total and Permanent Disability (ATPD): Premium Protection Plus","Critical Illness (CI)","Child Care Benefit (CCB)","Block Your Premium (BYP)"],"display":"Optional in-built covers: ADB, ATPD Premium Protection, ATPD Premium Protection Plus, Critical Illness, Child Care Benefit and Block Your Premium","note":"These are optional in-built covers, not separate riders; the CIS row for riders opted says not applicable.","quote":"Any one or more of the following Optional In-Built Covers can be chosen at inception of the Policy as detailed below, upon payment of additional Premium: x Accidental Death Benefit (ADB) x Accidental Total and Permanent Disability (ATPD):\nR Premium Protection R Premium Protection Plus x Critical Illness (CI) x Child Care Benefit (CCB) (available only under Plan Option “Life Secure ́) x Block Your Premium (BYP) (available only under Plan Option “Life Secure ́)","sources":[{"clause":"1.2","heading":"Optional In-built Covers","page":18,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-1-2-2"}],"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 policy date, risk commencement date, revival date or rider date, whichever is later. Within three years it may be questioned for fraud or for material misstatement/suppression, with written communication of grounds and materials.","display":"No questioning after 3 years; within 3 years only as permitted for fraud or material misstatement/suppression","note":null,"quote":"No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e., from the date of issuance of the policy or the date of commencement of risk or the date of Revival of the policy or the date of the rider to the policy, whichever is later. ... A policy of life insurance may be called in question at any time within three years ... on the ground of fraud: ... A policy of life insurance may be called in question at any time within three years ... on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made","sources":[{"clause":"1","heading":null,"page":39,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-1-6"},{"clause":"2","heading":null,"page":39,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-2-7"},{"clause":"4","heading":null,"page":39,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-4-4"}],"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 will be as per prevailing Income Tax laws and are subject to amendments from time to time; the document says to consult an independent tax advisor.","display":"Tax benefits as per prevailing Income Tax laws, subject to amendments","note":null,"quote":"Tax Benefits under the Policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time. For advice, please consult your independent tax advisor.","sources":[{"clause":null,"heading":"Payment Related Information","page":8,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-payment-related-information"}],"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":"within the free-look period of 30 days from the date of receipt of the Policy Document, whether received electronically or otherwise (whichever is earlier)","sources":[{"clause":"10","heading":"Free-look period","page":28,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-10"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days; 15 days for monthly mode","note":"30 days applies to annual, half-yearly and quarterly modes; 15 days applies to monthly mode.","quote":"You are provided with a Grace Period of 15 days for monthly mode and 30 days for all other modes, i.e. annual, half yearly and quarterly modes from Premium due date to pay due Premium","sources":[{"clause":"Part B(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-part-b-i"}],"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. Maximum entry age is 60 years, except the PPT option up to 60 years has maximum entry age 55 years for Life Secure and 50 years for Life Secure with Return of Premium.","display":"18 to 60 years; up to age 60 PPT: 55 years for Life Secure and 50 years for Return of Premium","note":"From the sales brochure.","quote":"Minimum Age at Entry (age as on last birthday) | 18 years\nMaximum Age at Entry (age as on last birthday) | 60 years For PPT option “Upto 60 years”: Life Secure: 55 years | Life Secure with Return of Premium: 50 years","sources":[{"clause":null,"heading":"PLAN AT A GLANCE","page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/19023#c-plan-at-a-glance"}],"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 and monthly","note":null,"quote":"The premium payment modes allowed are yearly, half-yearly, quarterly and monthly.","sources":[{"clause":"2.1","heading":"Payment of Premiums","page":21,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983#c-2-1"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Regular Pay","Limited Pay"],"display":"Regular Pay and Limited Pay","note":"From the sales brochure. No single premium option is stated.","quote":"Premium Payment Term (PPT) #^ | Life Secure^^@@ Regular Pay Limited Pay options of 5^/10/15/Up to age 60 years@ Life Secure with Return of Premium###: Regular Pay Limited Pay options of 10/15/Up to age 60 years","sources":[{"clause":null,"heading":"PLAN AT A GLANCE","page":10,"url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/19023#c-plan-at-a-glance"}],"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":"Promise2Secure Policy Document","pages":51,"fetched_at":"2026-10-20 00:39:28+00","source_url":"https://www.canarahsbclife.com/content/dam/chli/pdf/promise2secure/policy-document.pdf","url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18983"},{"kind":"cis","label":"Promise2Secure Customer Information Sheet","pages":5,"fetched_at":"2026-10-20 00:39:08+00","source_url":"https://www.canarahsbclife.com/content/dam/chli/pdf/promise2secure/customer-information-sheet.pdf","url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/18970"},{"kind":"brochure","label":"Promise2Secure Product Brochure","pages":39,"fetched_at":"2026-10-20 00:41:20+00","source_url":"https://www.canarahsbclife.com/content/dam/chli/pdf/promise2secure/product-brochure.pdf","url":"https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01/document/19023"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Canara HSBC Life Insurance official website","url":"https://www.canarahsbclife.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.canarahsbclife.com/customer-service/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","url":"https://www.canarahsbclife.com/customer-service/grievance-redressal","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":"Promise2Secure (UIN 136N099V01), IndiaInsurances, https://indiainsurances.com/policy/canara-hsbc-life-insurance/promise2secure-136n099v01"}