{"uin":"140N113V01","name":"Pramerica Life Poorna Rakshak","url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01","insurer":{"slug":"pramerica-life-insurance","name":"Pramerica Life Insurance Company Limited","url":"https://indiainsurances.com/insurer/pramerica-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Pramerica Life Poorna Rakshak is a non-linked, non-participating individual savings life insurance plan with Smart Scholars, Early Income, Income Booster, Smart Money Back and Smart Saver variants. The death benefit is the higher of Sum Assured on Death, 105% of total premiums paid, or surrender value, and the free-look period is 30 days.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:59:15.594257+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":["Plan Variant 1 – Smart Scholars","Plan Variant 2 (A) – Early Income","Plan Variant 2 (B) – Income Booster","Plan Variant 3 – Smart Money Back","Plan Variant 4 – Smart Saver"],"display":"Smart Scholars; Early Income; Income Booster; Smart Money Back; Smart Saver","note":"The wording says four plan variants, but prints Variant 2 as 2(A) and 2(B), resulting in five named options.","quote":"The plan has four Plan Variant as mentioned below:\nPlan Variant 1 – Smart Scholars Plan Variant 2 (A) – Early Income Plan Variant 2 (B) – Income Booster Plan Variant 3 – Smart Money Back Plan Variant 4 – Smart Saver","sources":[{"clause":"Part C","heading":null,"page":4,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-part-c"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 Company must be immediately notified of the Life Insured’s death in writing.","display":"Immediately notified of the Life Insured’s death in writing","note":null,"quote":"In order for the Company to make any payment under the Policy it is necessary that the Company:\na) is immediately notified of the Life Insured’s death in writing.","sources":[{"clause":null,"heading":"Section Four: Death Claim Processing","page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-section-four-death-claim-processing"}],"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":["The Company’s Death Claim Form duly completed","The original Policy Document (not necessary in case of dematerialized policy document)","The original or a legalised copy of the Death Certificate","Claimant’s Identity proof, Address proof and banking details","Discharge summary and all other past hospital records","Completed Last Medical Attendant's Report","Copy of First Information Report and the Final Police Investigation Report","Copy of Post-Mortem Report","NEFT Mandate","Cancelled cheque","KYC Documents"],"display":"Death claim form, policy document, death certificate, claimant KYC/bank details, hospital records, last medical attendant report; FIR/final police report and post-mortem report for unnatural death; NEFT mandate, cancelled cheque and KYC for maturity claim","note":null,"quote":"Basic documentation if death is due to natural Cause\ni) The Company’s Death Claim Form duly completed\nii) The original Policy Document (not necessary in case of dematerialized policy document)\niii) The original or a legalised copy of the Death Certificate\niv) Claimant’s Identity proof, Address proof and banking details\nv) Discharge summary and all other past hospital records\nvi) Completed Last Medical Attendant's Report\nAdditional documents, if death is due to Un-natural reasons:\ni. Copy of First Information Report and the Final Police Investigation Report\nii. Copy of Post-Mortem Report ... Basic documentation for Maturity Claim:\na) NEFT Mandate\nb) Cancelled cheque\nc) KYC Documents","sources":[{"clause":null,"heading":"Section Four: Death Claim Processing","page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-section-four-death-claim-processing"},{"clause":null,"heading":"Section Five: Maturity Claim Processing","page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-section-five-maturity-claim-processing"}],"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 claim settlement is 15 days without investigation from the date of intimation of claim, and 45 days with investigation from the date of intimation of claim.","display":"15 days without investigation; 45 days with investigation, from the date of intimation of claim","note":null,"quote":"Turn Around Time (TAT) for claims settlement and brief procedure A. Death Claim Settlement without Investigation from the date of intimation of claim -15 days B. Death Claim Settlement with Investigation from the date of intimation of claim -45 days","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":2,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14440#c-customer-information-sheet-know-your-policy-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":["death due to suicide or attempted suicide, whether sane or insane within twelve months from the date of commencement of risk under the policy or from the date of revival of the policy"],"display":"Suicide or attempted suicide within twelve months from commencement of risk or revival is subject to the suicide clause","note":"The policy wording prints this as the suicide clause rather than a complete denial of all benefit.","quote":"In case of death due to suicide or attempted suicide, whether sane or insane within twelve months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to at least 80% of the total premiums paid less any instant cashback already 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":null,"heading":"Section One: Suicide Clause","page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-section-one-suicide-clause"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 on Death is 7 or 11 times the Annualized Premium.","display":"7 or 11 times of Annualized Premium","note":null,"quote":"Sum Assured on Death means (7 or 11 times of Annualized Premium) is an absolute amount of benefit which is guaranteed to become payable on death of the life assured in accordance with the terms and conditions of the policy.","sources":[{"clause":null,"heading":"Grace period for other than single premium policies","page":1,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-grace-period-for-other-than-single-premium-polic"}],"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":"On death of the Life Insured anytime during the policy term while the policy is in force and all due premiums have been paid in full, the beneficiary receives the higher of Sum Assured on Death, 105% of total premiums paid till death, or surrender value as on the date of death. The policy terminates after payment of the death benefit.","display":"Higher of Sum Assured on Death, 105% of Total Premiums Paid till death, or Surrender Value as on date of death","note":null,"quote":"Death Benefit | On death of Life Insured anytime during the Policy Term while the policy is in-force and all due premiums have been paid in full on the date of death. The beneficiary shall receive higher of: • Sum Assured on Death (or) • 105% of the Total Premiums Paid till the date of death (or) • Surrender Value as on date of death Upon the payment of death benefit, the policy shall terminate and no further benefits shall be payable.","sources":[{"clause":"Part C","heading":null,"page":4,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-part-c"}],"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":"Maturity benefit varies by variant. Smart Scholars pays one Annualized Premium as GLB; Early Income and Income Booster pay 80% or 100% of total annualized premiums paid, split equally between Accrued Guaranteed Additions and Guaranteed Lumpsum Benefit; Smart Money Back has no maturity benefit; Smart Saver pays a GLB equal to X% of total premiums paid, where X varies by age, premium band and sum assured multiple.","display":"Variant-wise: Smart Scholars one Annualized Premium as GLB; Early Income/Income Booster 80% or 100% of Total Annualized Premiums Paid; Smart Money Back no maturity benefit; Smart Saver X% of Total Premiums Paid","note":null,"quote":"Maturity Benefit | Payable at the end of the policy term Provided, all due premiums have been paid in full and the policy is inforce, the policyholder/beneficiary shall receive an amount equal to one Annualized Premium as Guaranteed Lumpsum Benefit (GLB) at the end of the Policy Term. ... Policyholder/Beneficiary shall receive Total Maturity Benefit defined as an amount equal to 80% or 100% (as chosen at inception and specified in the policy schedule) of the Total Annualized Premiums Paid, at the end of Policy Term, out of which 50% shall be paid as Accrued Guaranteed Additions (AGA) and the remaining 50% shall be paid as a Guaranteed Lumpsum Benefit. ... Plan Variant 3 – Smart Money Back | Survival Benefit | ... Maturity Benefit | There is no Maturity Benefit in this variant. ... Plan Variant 4 – Smart Saver | Survival Benefit | ... Maturity Benefit | Payable at the end of the policy term Provided, all due premiums have been paid and the policy is in-force, the Policyholder/Beneficiary shall receive Guaranteed Lumpsum Benefit (GLB) as an amount equal to X% of the Total Premiums Paid shall be paid at the end of the Policy Term. Where X varies basis age, Premium Band & Sum Assured Multiple of the Life Insured.","sources":[{"clause":"Part C","heading":null,"page":4,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-part-c"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premium paying term depends on the variant: Smart Scholars is minimum 5 years and maximum 15 minus entry age for ISY 16 or 17 minus entry age for ISY 18; Early Income is 5, 8, 10 or 12 years; Income Booster is 8, 10 or 12 years; Smart Saver is 10 years.","display":"Variant-wise: minimum 5 years; maximum ISY 16 = 15 – Age at Entry or ISY 18 = 17 – Age at Entry; 5, 8, 10 and 12 years; 8, 10 and 12 years; 10 years","note":"From the sales brochure. The extracted table does not clearly show a separate premium-paying-term cell for every named variant.","quote":"Premium Payment Term (PPT) | Minimum: 5 years Maximum: For ISY 16 = 15 – Age at Entry For ISY 18 = 17 – Age at Entry | 5,8,10 and 12 years | 8,10 and 12 years | 10 years","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14474#c-eligibility-conditions"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"The maximum maturity age printed in the eligibility table is 80 years. The table also prints maximum maturity ages of 25 years, 75 years and 65 years for other variant columns.","display":"Maximum: 80 years; other printed variant maxima include 25 years, 75 years and 65 years","note":"From the sales brochure. The extracted table does not clearly show a separate maturity-age cell for every named variant.","quote":"Maturity Age | Minimum: For ages 0 to 7 = 20 years For ages 8 to 9 = 23 years For ages 10 to 12 = 25 years Maximum: 25 years | Minimum: 25 years Maximum: 80 years | Minimum: 24 years Maximum: 75 years | Minimum: 18 years Maximum: 65 years","sources":[{"clause":null,"heading":"Eligibility Conditions","page":3,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14474#c-eligibility-conditions"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death is due to suicide or attempted suicide, whether sane or insane, within twelve months from commencement of risk or revival, the nominee or beneficiary is entitled to at least 80% of total premiums paid less any instant cashback already paid till death, or the surrender value available as on death, whichever is higher, provided the policy is in force.","display":"Within twelve months: at least 80% of total premiums paid less any instant cashback already paid, or surrender value, whichever is higher","note":null,"quote":"In case of death due to suicide or attempted suicide, whether sane or insane within twelve months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to at least 80% of the total premiums paid less any instant cashback already 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":null,"heading":"Section One: Suicide Clause","page":11,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-section-one-suicide-clause"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy acquires surrender value after paying premium for the first complete policy year, payable after completion of the first policy year. Surrender value is the higher of Guaranteed Surrender Value, if applicable, and Special Surrender Value; GSV is acquired after premiums are paid for at least the first two complete policy years.","display":"Acquires surrender value after first complete policy year; payable after completion of first policy year; higher of GSV and SSV","note":"After surrender, the policy terminates and all benefits cease.","quote":"The policy will acquire surrender value after paying Premium for the first complete policy year & will become payable after completion of first policy year.\nThe Surrender Value payable is higher of the Guaranteed Surrender Value (GSV), if applicable and Special Surrender Value (SSV). ... GSV shall be acquired after payment of Premium for at least first two complete Policy Years.","sources":[{"clause":null,"heading":"Section Two: Surrender of Policy","page":9,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-section-two-surrender-of-policy"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 date of first unpaid premium and before the maturity date, subject to written notice, required documents or information, outstanding premium with interest, and underwriting requirements.","display":"Within five years from the date of first unpaid Premium and before Maturity Date","note":null,"quote":"A lapsed or paid-up policy can be revived within five years from the date of first unpaid Premium and before Maturity Date. The Company will revive the Policy only if the Company has received written notice from the Policyholder along with the requisite documents / information and the outstanding Premium with interest specified by the Company.","sources":[{"clause":null,"heading":"Section One: Revival","page":9,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-section-one-revival"}],"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":"Policy loan is available at any time during the policy term after the policy acquires surrender value. The maximum loan is 75% of surrender value, with interest payable by the policyholder.","display":"Available after surrender value is acquired; maximum 75% of Surrender Value","note":null,"quote":"The Policyholder may choose to avail the facility of loan under this Policy at any time during the Policy Term after it acquires Surrender Value. The loan will be subject to following conditions: ... a) The total loan amount that can be availed shall be limited to a maximum of 75% of the Surrender Value; The Policyholder shall be required to pay interest on the outstanding loan at a rate determined by the company from time to time.","sources":[{"clause":null,"heading":"Section Three: Loan","page":9,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-section-three-loan"},{"clause":"Part D(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-part-d-a"}],"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":["Pramerica Life Critical Illness Rider (UIN: 140B026V01)","Pramerica Life Accidental Death Benefit Rider (UIN: 140B029V01)","Pramerica Life Accidental Total and Permanent Disability Rider (UIN: 140B027V01)","Pramerica Life Waiver of Premium (UIN: 140B028V01)"],"display":"Critical Illness, Accidental Death Benefit, Accidental Total and Permanent Disability, and Waiver of Premium riders","note":"The CIS lists the riders. The sales brochure says they are available with all plan variants except Variant 4- Smart Saver.","quote":"Your product offers the following Riders to choose from and will be mentioned in your Policy Schedule if you have selected any of the available riders a) Pramerica Life Critical Illness Rider (UIN: 140B026V01)- It provides for financial compensation in the event life insured is | Part A - Policy Schedule\ndiagnosed with any of the covered critical illnesses / conditions and surgeries\nb) Pramerica Life Accidental Death Benefit Rider (UIN: 140B029V01)- It provides a lump sum benefit to the nominee in case of unfortunate event of loss of life from an accident\nc) Pramerica Life Accidental Total and Permanent Disability Rider (UIN: 140B027V01)- It provides a lump sum benefit to the life insured in case of disability due to an accident\nd) Pramerica Life Waiver of Premium (UIN: 140B028V01)- It allows to accrue insurance policy benefits even if one is unable to pay their future premiums due to the occurrence of any unforeseen events such as a Critical Illness, Accidental Total and Permanent Disability or Death. ... The following riders shall be available with all the plan variants except Variant 4- Smart Saver:","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY","page":2,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14440#c-customer-information-sheet-know-your-policy-2"},{"clause":null,"heading":"Riders","page":13,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14474#c-riders"}],"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 expiry of 3 years from the later of issuance, commencement of risk, revival, or rider date. Within 3 years, it may be questioned for fraud or for material misstatement or suppression, with written communication of grounds and materials.","display":"No policy called in question after expiry of 3 yrs; fraud or material misstatement can be questioned within 3 years","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from\na) the date of issuance of policy or\nb) the date of commencement of risk or\nc) the date of revival of policy or\nd) the date of rider to the policy whichever is later. ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years from ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made","sources":[{"clause":"1","heading":"No Policy of Life Insurance shall be called in question on","page":20,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-1-3"},{"clause":"2","heading":"On the ground of fraud, a policy of Life Insurance may be","page":20,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-2-3"},{"clause":"6","heading":"Life insurance Policy can be called in question within 3","page":20,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-6-3"}],"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":"Premiums paid under the plan may be eligible for tax exemptions, subject to applicable tax laws and conditions; income tax benefits, if any, apply as per prevailing Income Tax Laws and are subject to amendments. The document asks the policyholder to consult a tax expert.","display":"Tax exemptions may be eligible; benefits subject to prevailing Income Tax Laws and amendments","note":"From the sales brochure.","quote":"Premiums paid under this plan may be eligible for tax exemptions, subject to the applicable tax laws and conditions. Income tax benefits under this plan, if any, shall be applicable as per the prevailing Income Tax Laws and are subject to amendments from time to time. Kindly consult a tax expert.","sources":[{"clause":null,"heading":"Tax Benefits","page":14,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14474#c-tax-benefits"}],"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 a period of 30 days as the case may be from the receipt of this Policy Document to review the terms and conditions of this Policy","sources":[{"clause":null,"heading":"Section Four: Free Look Period","page":9,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-section-four-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 premiums during the Premium Payment Term"],"display":"Premiums are paid regularly for the entire Premium Payment Term","note":"The documents do not use the labels single, regular or limited premium for the base product; they state regular payment during the selected Premium Payment Term.","quote":"The Policyholder is required to pay premium as per the mode\nof premium specified in the Policy regularly for the entire | Grace Period means a period of 15 days for monthly mode\nPremium Payment Term.","sources":[{"clause":"Part C","heading":null,"page":4,"url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473#c-part-c"}],"law":[]},{"key":"guaranteed_benefits","label":"Guaranteed benefits","section":"Cover","meaning":"What is guaranteed, in rupees or as a formula, regardless of the insurer's performance.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"bonus","label":"Bonus type","section":"Cover","meaning":"Participating plans share profits as bonuses; these are NOT guaranteed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"illustration_returns","label":"Illustrated returns","section":"Cover","meaning":"The benefit illustration at the IRDAI rates (4% and 8%); not a promise.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"money_back","label":"Survival or money-back payouts","section":"Cover","meaning":"Instalments paid during the term.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Policy Document Poorna Rakshak","pages":22,"fetched_at":"2026-10-17 19:57:00+00","source_url":"https://pramericalife.in/admin/assets/images/pages/learn-more-box/2026/08/1787296631-Policy%20Document_Poorna%20Rakshak.pdf","url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14473"},{"kind":"cis","label":"Customer Information Sheet Poorna Rakshak","pages":8,"fetched_at":"2026-10-17 19:56:23+00","source_url":"https://pramericalife.in/admin/assets/images/pages/learn-more-box/2026/08/1787296585-Customer%20Information%20Sheet_Poorna%20Rakshak.pdf","url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14440"},{"kind":"brochure","label":"Poorna Rakshak Website Deck","pages":8,"fetched_at":"2026-10-17 19:56:57+00","source_url":"https://pramericalife.in/admin/assets/images/pages/learn-more-box/2026/08/1787296640-Poorna%20Rakshak%20Website%20Deck.pdf","url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14471"},{"kind":"brochure","label":"Brochure","pages":19,"fetched_at":"2026-10-17 19:56:59+00","source_url":"https://pramericalife.in/admin/assets/images/pages/learn-more-box/2026/10/1792058506-POORNA%20RAKSHAK_2026_OCT_BROCHURE_V2.pdf","url":"https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01/document/14474"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Pramerica Life Insurance official website","url":"https://pramericalife.in/","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://pramericalife.in/claim","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://pramericalife.in/customer-services/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":"Pramerica Life Poorna Rakshak (UIN 140N113V01), IndiaInsurances, https://indiainsurances.com/policy/pramerica-life-insurance/pramerica-life-poorna-rakshak-140n113v01"}