{"uin":"165N011V04","name":"Digit Icon","url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04","insurer":{"slug":"go-digit-life-insurance","name":"Go Digit Life Insurance Limited.","url":"https://indiainsurances.com/insurer/go-digit-life-insurance"},"line":"life","category":"savings-life","category_name":"Endowment and savings plans","irdai_type":"Product","kind":"product","status":"active","approved_on":"2024-02-12","withdrawn_on":null,"summary":"Digit Icon is a non-linked, non-participating individual life insurance savings plan with Lumpsum, Income, Income Plus Lumpsum and Whole Life variants. It offers death cover, maturity or guaranteed income depending on the variant, inbuilt accidental death benefit and optional policy continuance, family income and senior citizen health benefits.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:16:50.865744+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":["Lumpsum Benefit","Income Benefit","Income + Lumpsum Benefit","Whole Life Benefit"],"display":"Lumpsum Benefit; Income Benefit; Income + Lumpsum Benefit; Whole Life Benefit","note":null,"quote":"Variants / Eligibility Conditions | Lumpsum Benefit | Income Benefit | Income + Lumpsum Benefit | Whole Life Benefit","sources":[{"clause":null,"heading":"Eligibility Conditions","page":2,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5383#c-eligibility-conditions"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Policy term depends on the variant and premium type: Lumpsum single pay is 5 to 30 years, Lumpsum limited pay is 6 to 30 years, regular pay is equal to the premium payment term, Income and Income Plus Lumpsum limited pay is PPT+5 to 50 years, and Whole Life is 100 minus entry age.","display":"5 to 30 years for Lumpsum single pay; 6 to 30 years for Lumpsum limited pay; equal to PPT for regular pay; PPT+5 to 50 years for Income / Income + Lumpsum; 100 – Entry Age for Whole Life","note":"From the prospectus eligibility table; maximum policy term is subject to the maximum maturity age allowed under Digit Icon.","quote":"Variants / Eligibility Conditions | Lumpsum Benefit | Income Benefit | Income + Lumpsum Benefit | Whole Life Benefit\nPremium Payment Term (PPT) (in years) | Single Pay | 1 | Not Available\nLimited and Regular Pay | 5 / 6 / 7 / 8 / 10 / 12 & 15 | 5 / 6 / 7/ 8 / 10 / 12\nPolicy Term (in years) | Single Pay | 5 to 30 | Not applicable | Not applicable\nLimited Pay | 6 to 30 | (PPT+5) to 50 | 100 – Entry Age\nRegular Pay | Equal to Premium Payment Term chosen | Not applicable | Not applicable","sources":[{"clause":null,"heading":"Eligibility Conditions","page":2,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5383#c-eligibility-conditions"}],"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 claim should be intimated within 90 days from the date of the insured event. Delay in intimation or document submission may be condoned if supported by valid reasons.","display":"Within 90 days from the date of insured event","note":null,"quote":"The claim should be intimated to the Company within a period of 90 days from the date of insured event, to treat the same as a valid claim. However, delay in intimation of claim or submission of documents should be supported by valid reasons for the Company to condone such delay.","sources":[{"clause":"17(e)(iv)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-17-e-iv"}],"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":["Duly completed Claim Form signed by Claimant","Original Policy Document","KYC document of Life Assured and Claimant","Attested copy of Death Certificate of the Life Assured issued by Indian Government Authority","Medical treatment records","Police Records – Attested copy of First Information Report, Panchnama / Inquest Panchnama","Newspaper cutting/Photograph of the accident","Attested Copy of Post Mortem Report","Attested Copy of Viscera report if any","Medical Report(s)(Current and past) including Investigation test(s), treatment report(s) and indoor case papers","Hospital Summary/Discharge Card","Medical Practitioner’s Certificate confirming the current health status","Discharge Voucher","Bank account details along with IFSC code"],"display":"Claim form, policy document, KYC, death certificate, medical records, accident/police/post-mortem papers where applicable, critical illness medical papers, discharge voucher and bank details","note":"The insurer may ask for additional documents depending on the cause or nature of the claim.","quote":"i) Duly completed Claim Form signed by Claimant.\nii) Original Policy Document\niii) KYC document of Life Assured and Claimant\niv) Attested copy of Death Certificate of the Life Assured issued by Indian Government Authority.\nv) Medical treatment records (discharge summary / death summary, investigation and treatment reports, post mortem report, etc) if Life Assured has taken treatment for illness leading to his/her death\nb) In case of Death Benefit claim arising out of Accident or unnatural death, the following documents need to be submitted, in addition to above requested documents:\ni) Police Records – Attested copy of First Information Report, Panchnama / Inquest Panchnama\nii) Newspaper cutting/Photograph of the accident, in case of Accidental Deaths.\niii) Attested Copy of Post Mortem Report (Only if conducted).\niv) Attested Copy of Viscera report if any (Only if Post Mortem is conducted)\nc) For Critical Illness Benefit claim:\ni) Duly completed Claim Form signed by Claimant.\nii) Medical Report(s)(Current and past) including Investigation test(s), treatment report(s) and indoor case papers\niii) Hospital Summary/Discharge Card\niv) Medical Practitioner’s Certificate confirming the current health status (Details of diagnosed Illness/Treatment advise)\nv) KYC document of Claimant ... i) Original Policy Document ... ii) Discharge Voucher ... iii) KYC document of the Claimant ... iv) Bank account details along with IFSC code (payment would be made vide NEFT only) if not provided earlier or in case there is a change in the bank details already provided.","sources":[{"clause":"17","heading":"Requirements for claims /Claim Procedure","page":28,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-17-2"},{"clause":"17(e)(i)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-17-e-i"},{"clause":"17(e)(ii)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-17-e-ii"},{"clause":"17(e)(iii)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-17-e-iii"},{"clause":"17(e)(iv)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-17-e-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The CIS states a claim settlement turnaround time of 15 days for non-investigative cases and 45 days for investigative cases.","display":"15 days for non-investigative cases and 45 days for investigative cases","note":"Stated in the Customer Information Sheet.","quote":"Turn Around Time (TAT) for claims settlement - 15 days for non-\ninvestigative cases and 45 days for investigative cases","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5385#c-s3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Suicide within 12 months from the Risk Commencement Date or from the date of Revival","Critical illness during Waiting Period","Pre-Existing Diseases are not covered","Drug Abuse","Self-inflicted Injury","Criminal Acts","War, invasion, act of foreign enemy, hostilities, war like operations","Nuclear Contamination","Aviation","Hazardous sports and pastimes","Diagnosis and treatment outside India","Death arising due to any condition other than death solely and directly as a result of an accident"],"display":"Suicide within 12 months; CI waiting period and pre-existing disease exclusions; drug abuse, self-inflicted injury, criminal acts, war, nuclear contamination, aviation, hazardous sports, treatment outside India and non-accidental death for ADB","note":"Critical illness exclusions apply only where Policy Continuance Benefit on Diagnosis of Critical Illness or Senior Citizen Health Benefit is chosen; ADB exclusions apply to the inbuilt additional accidental death benefit.","quote":"Suicide Exclusion: In case of death of the Life Assured due to suicide within 12 months from the Risk Commencement Date under the Policy or from the date of Revival of the Policy ... Any covered condition or its signs or symptoms having occurred and /or was diagnosed, and/or received medical advice/treatment within the Waiting Period. ... Pre-Existing Diseases are not covered. Any pre-existing disease at the time of Date of Inception of the Policy. ... Drug Abuse: Life Assured being under the influence of drugs, alcohol, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered independent medical practitioner. ... Self-inflicted Injury: Intentional self-inflicted injury by the Insured. ... Criminal Acts: Life Assured’s involvement in criminal activities with criminal intent. ... War, invasion, act of foreign enemy, hostilities, war like operations (whether war be declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, willful participation in strikes / acts of violence. ... Nuclear Contamination: Exposure to radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature. ... Aviation: Participation by the Life Assured in any flying activity, except as a bona fide fare-paying passenger of a recognized airline on regular routes and on a scheduled timetable. ... Hazardous sports and pastimes: Engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee-jumping, horse racing or any kind of race. ... Diagnosis and treatment outside India. ... Death arising due to any condition other than death solely and directly as a result of an accident.","sources":[{"clause":"16","heading":"Suicide Exclusion","page":28,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-16-2"},{"clause":"2","heading":null,"page":37,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-2-11"},{"clause":"4","heading":null,"page":37,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-4-8"},{"clause":"3","heading":"Drug Abuse","page":37,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-3-10"},{"clause":"7","heading":"Self-inflicted Injury","page":37,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-7-7"},{"clause":"9","heading":"Criminal Acts","page":37,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-9-6"},{"clause":"10","heading":null,"page":37,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-10-5"},{"clause":"11","heading":"Nuclear Contamination","page":37,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-11-5"},{"clause":"13","heading":"Aviation","page":37,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-13-5"},{"clause":"14","heading":"Hazardous sports and pastimes","page":37,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-14-5"},{"clause":"17","heading":null,"page":37,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-17-4"},{"clause":"3","heading":null,"page":37,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-3-11"}],"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 meet the Grievance Officer at the nearest Digit Life Branch Office, write to life@godigit.com or call 9960126126/18002962626. If not satisfied, escalate to the Chief Grievance Redressal Officer at lifegro@godigit.com within 8 weeks from complaint resolution.","display":"Grievance Officer at branch / life@godigit.com / 9960126126/18002962626; then Chief Grievance Redressal Officer at lifegro@godigit.com","note":null,"quote":"a) Meet your Grievance Officer at Your nearest Digit Life Branch Office\nb) Write to life@godigit.com from Your registered email address.\nc) Call 9960126126/18002962626 from your registered mobile number. ... a) Level 1: In case the complainant is not satisfied with the response, the complainant can escalate the grievance to Chief Grievance Redressal Officer within 8 weeks from date of complaint resolution at lifegro@godigit.com.","sources":[{"clause":"1","heading":"Contact Information for Complaints & Grievance Redressal","page":30,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-1-8"},{"clause":"2(a)","heading":"Level 1","page":30,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-2-a"}],"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 the death benefit multiple times single premium or annualized premium, as applicable. Chosen multiples are 10x of single premium for single-life single premium, 7x, 10x or 15x of annualized premium for limited and regular pay variants other than Whole Life, and 7x or 10x of annualized premium for Whole Life.","display":"Death benefit multiple of premium: Single Life single premium 10x; limited/regular 7x, 10x, 15x; Whole Life 7x and 10x","note":"Default death benefit multiples are age-based; actual amounts are specified in the policy schedule.","quote":"Where Sum Assured on Death shall be equal to ‘Death Benefit multiple’ (DB multiple) times the Single Premium / Annualized Premium. ... Death Benefit Multiple | Single Life: 10x of Single premium | 7x, 10x,15x of Annualized Premium ... Where Sum Assured on Death shall be equal to ‘Death Benefit multiple’ (DB multiple) times the Annualized Premium. ... Death Benefit Multiple | 7x and 10x of Annualized Premium","sources":[{"clause":null,"heading":"For Joint Life (with two lives being assured under the Policy)","page":16,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5409#c-for-joint-life-with-two-lives-being-assured-unde"},{"clause":"1(iii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5407#c-1-iii"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"For single life, the death benefit is generally the highest of Sum Assured on Death, 105% of Total Premiums Paid, or Surrender Value, with accrued special additions added in Lumpsum and Income Plus Lumpsum variants where applicable. For Joint Life under Lumpsum single premium, first death pays 1.25 times single premium and second death pays 10 times single premium plus accrued special additions, if any.","display":"Highest of Sum Assured on Death, 105% of Total Premiums Paid or Surrender Value; Joint Life first death 1.25 times single premium and second death 10 times single premium plus accrued Special Additions","note":"Whole Life and Income variants do not add special additions to Sum Assured on Death; Lumpsum and Income Plus Lumpsum do where accrued.","quote":"For Single Life (with only one Life Assured under the Policy), the Death Benefit payable shall be the highest of the following:\ni) Sum Assured on Death plus accrued special additions, if any, OR\nii) 105% (One Hundred Five percent) of Total Premiums Paid as on the date of death of the Life Assured, OR\niii) Surrender Value applicable as on the date of death of the Life Assured. ... In case of first death during the Policy Term, Death Benefit equal to 1.25 times of Single Premium shall be payable. The Policy shall continue till the occurrence of second death or till Policy Maturity Date, whichever is earlier. In case of second death during the Policy Term, Death Benefit equal to 10 times of Single Premium plus accrued Special Additions, if any shall be payable. ... The Death Benefit payable shall be the highest of the following : ... i) Sum Assured on Death, OR ... ii) 105% (One Hundred Five percent) of Total Premiums Paid as on the date of death of the Life Assured, OR ... iii) Surrender Value applicable as on the date of death of the Life Assured.","sources":[{"clause":"1","heading":"Death Benefit","page":16,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5409#c-1-4"},{"clause":null,"heading":"For Joint Life (with two lives being assured under the Policy)","page":16,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5409#c-for-joint-life-with-two-lives-being-assured-unde"},{"clause":"1","heading":"Death Benefit","page":16,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5408#c-1-4"},{"clause":"1(i)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5408#c-1-i"},{"clause":"1(ii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5408#c-1-ii"},{"clause":"1(iii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5408#c-1-iii"}],"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":"Lumpsum Benefit pays Sum Assured on Maturity plus accrued Special Additions, if any, or a Staggered Maturity Benefit if chosen. Income Benefit pays no maturity benefit. Income Plus Lumpsum pays a lumpsum or staggered maturity benefit based on Sum Assured on Maturity and any applicable special additions, and Whole Life pays Sum Assured on Maturity equal to 100% of total annualized premiums payable.","display":"Lumpsum: Sum Assured on Maturity + accrued Special Additions; Income: no maturity benefit; Income Plus Lumpsum: Sum Assured on Maturity with applicable Special Additions or staggered; Whole Life: 100% of total annualized premiums payable","note":"Staggered Maturity Benefit is available in Lumpsum and Income Plus Lumpsum variants instead of receiving the maturity benefit as a lumpsum.","quote":"Lumpsum Maturity Benefit shall be equal to Sum Assured on Maturity + accrued Special Additions, if any. ... No Maturity Benefit shall be payable under Income Benefit Variant. ... If the Year of Commencement of Guaranteed Income is: | Lumpsum Maturity Benefit payable\nDuring the Premium Payment Term (i.e., Guaranteed Income starts in 1st or 2nd or 5th Policy Year) | • Sum Assured on Maturity + accrued Special Additions, if any\nAfter the completion of Premium Payment Term (i.e., Guaranteed Income starts in PPT+1st or PPT+2nd or PPT+4th or PPT+6th Policy Year) | • Sum Assured on Maturity which shall be equal to 50% or 100% or 150% of Total Annualized Premium payable. ... Under Whole Life Benefit Variant, Sum Assured on Maturity shall be equal to 100% of Total Annualized Premiums payable under the Policy.","sources":[{"clause":"5.1","heading":"Lumpsum Maturity Benefit","page":18,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5409#c-5-1"},{"clause":"5","heading":"Maturity Benefit","page":18,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5410#c-5-2"},{"clause":"5.1","heading":"Lumpsum Maturity Benefit","page":20,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5412#c-5-1"},{"clause":"5","heading":"Maturity Benefit","page":18,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5407#c-5-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Single Pay is 1 year where available. Limited and regular pay premium payment terms are 5, 6, 7, 8, 10, 12 and 15 years for Lumpsum Benefit, and 5, 6, 7, 8, 10 and 12 years for Income Benefit, Income Plus Lumpsum Benefit and Whole Life Benefit.","display":"Single Pay 1 year; Limited/Regular Pay 5 / 6 / 7 / 8 / 10 / 12 & 15 for Lumpsum; 5 / 6 / 7 / 8 / 10 / 12 for Income, Income + Lumpsum and Whole Life","note":"From the prospectus eligibility table; the table columns are Lumpsum Benefit, Income Benefit, Income + Lumpsum Benefit and Whole Life Benefit.","quote":"Premium Payment Term (PPT) (in years) | Single Pay | 1 | Not Available\nLimited and Regular Pay | 5 / 6 / 7 / 8 / 10 / 12 & 15 | 5 / 6 / 7/ 8 / 10 / 12","sources":[{"clause":null,"heading":"Eligibility Conditions","page":2,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5383#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":"Maximum maturity age is 55 or 90 years for Single Pay depending on the Sum Assured on Death multiple, 70 years for older life under Joint Life, 100 years for Whole Life Benefit, 75 years for Income Benefit and Income Plus Lumpsum Benefit where income starts in the 1st, 2nd or 5th policy year, and 85 years for other variants.","display":"Maximum maturity age: 55, 90, 70, 100, 75 or 85 years depending on option","note":"From the prospectus eligibility table.","quote":"Maximum Maturity Age (as per last birthday) | Single Pay (SP): • 55 years for Sum Assured on Death equal to 10 x Single Premium • 90 years for Sum Assured on Death equal to 1.25x-1.5 x Single Premium • Joint Life option: 70 years for older life Limited Pay (LP) and Regular Pay (RP) • Whole Life Benefit: 100 years • Income Benefit and Income Plus Lumpsum Benefit (where Income starts from 1st,2nd, 5th Policy Year): 75 years • Other Variants: 85 years","sources":[{"clause":null,"heading":"Eligibility Conditions","page":2,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5383#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 within 12 months from the Risk Commencement Date or Revival date, the claimant is entitled to at least 80% of Total Premiums Paid till death or the Surrender Value available on the date of death, whichever is higher, provided the policy is in force. In a joint life policy, the exclusion applies if any of the two lives commits suicide within 12 months and the policy continues with the surviving life assured, if any.","display":"Within 12 months: at least 80% of Total Premiums Paid or Surrender Value, whichever is higher","note":null,"quote":"Suicide Exclusion: In case of death of the Life Assured due to suicide within 12 months from the Risk Commencement Date under the Policy or from the date of Revival of the Policy, as applicable, Claimant shall be entitled to at least 80% of the Total Premiums Paid till the date of death or Surrender Value available as on the date of death whichever is higher, provided the Policy is In Force.\nIn case of joint life Policy, suicide exclusion is applicable if any of the two lives commits suicide within 12 months from the Risk Commencement Date under the Policy. The Policy shall continue with the surviving Life Assured, if any, as per the terms and conditions of the Policy.","sources":[{"clause":"16","heading":"Suicide Exclusion","page":28,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-16-2"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"Single Premium policies can be surrendered any time after policy commencement. Limited Pay and Regular Pay policies can be surrendered after completion of the first policy year if at least one full year's premiums have been paid, and the surrender value is the higher of GSV and SSV.","display":"Single premium: any time after commencement; limited/regular: after first policy year with one full year's premiums paid; higher of GSV or SSV","note":"Surrender is not allowed after death and is not allowed if Policy Continuance Benefit on Death, Policy Continuance Benefit on diagnosis of Critical Illness or Family Income Benefit has been chosen and triggered.","quote":"In case of Single Premium Policies, Policy can be surrendered any time after Policy Commencement Date. For Limited Pay and Regular Pay Policies, Policy can be surrendered any time after completion of first Policy Year, provided at least one full year’s Premiums have been paid. ... The Surrender Value payable shall be higher of Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV).","sources":[{"clause":"2.2","heading":"Surrender the Policy","page":23,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5409#c-2-2-2"},{"clause":"2.2.1","heading":"Surrender Value","page":23,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5409#c-2-2-1"}],"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":"For Limited and Regular Pay policies, if at least one full year's premiums have been paid and a later premium remains unpaid after the grace period, the policy acquires reduced paid-up status. Reduced paid-up death, accidental death, maturity or survival benefits continue based on the reduced paid-up factor.","display":"Reduced paid-up after one full year's premiums paid and later premium unpaid after grace period","note":"Reduced benefits differ by variant and optional benefit.","quote":"Non-Forfeiture: If at least one full year’s Premiums have been paid and if any subsequent Premium which is due has not been paid by the end of Grace Period, the Policy will acquire reduced paid-up status and the Policyholder / Claimant will be eligible for Reduced Paid-up Benefit as explained in Section 2.1. and Surrender Value as explained in Section 2.2. ... Once the Policy acquires Reduced Paid-up status, Reduced Paid-up Benefits shall be payable as described below:\nReduced Paid-up Death Benefit– Reduced Paid-Up Death Benefit shall be paid as a lump sum amount and shall be higher of following:\n• (Reduced Paid-up Factor * Sum Assured on Death) + Accrued Special Additions, if any; or\n• 105% of Total Premiums Paid as on the date of death of Life Assured; or\n• Surrender Value as on date of death of Life Assured","sources":[{"clause":"2","heading":"Non-Forfeiture options (applicable for Limited and Regular Pay Policies only)","page":22,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5409#c-2-5"},{"clause":"2.1","heading":"Reduced Paid-up Benefit","page":22,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5409#c-2-1"}],"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 reduced paid-up policy may be revived for full benefits before the policy maturity date, but within five years from the due date for payment of the first unpaid premium, subject to approval, underwriting, insurability evidence and payment of arrears with interest.","display":"Within five years from the due date for payment of the first unpaid Premium","note":"A reduced paid-up policy with Policy Continuance on Diagnosis of Critical Illness or Senior Citizen Health Benefit cannot be revived after admission of a Critical Illness Benefit claim.","quote":"Subject to the approval of the Company and the prevailing board approved underwriting policy, this Policy, if lapsed or in reduced paid- up status, may be revived for full Benefits before the Policy Maturity Date but within five years from the due date for payment of the first unpaid Premium provided that; ... All amounts necessary to revive this Policy including all arrears Premiums with interest for late payment of Premiums /Revival charge set as per the formula below and is subject to IRDAI’s approval: (10-year benchmark G-Sec Yield + 1.5%) rounded up to multiple of 25 bps.","sources":[{"clause":"3.1","heading":null,"page":24,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5409#c-3-1-2"},{"clause":"3.1.4","heading":null,"page":24,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5409#c-3-1-4"}],"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 once the policy acquires surrender value. The maximum loan is 80% of the available surrender value, the minimum loan is Rs.5,000, and the current loan interest rate stated is 9.50%.","display":"Available after surrender value; maximum 80% of available Surrender Value; minimum Rs.5,000; current interest 9.50%","note":null,"quote":"This Policy shall be eligible for providing loan once it acquires Surrender Value and Policyholder may obtain a loan on the sole security of the Policy and on its proper assignment to the Company. The maximum loan amount that will be advanced at any one time or more than one time shall not exceed 80% of the available Surrender Value at that point of time and provided that the amount of the loan is not less than Rs.5,000. ... Current loan interest rate is 9.50%.","sources":[{"clause":"4","heading":"Loan","page":24,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5409#c-4-3"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after expiry of 3 years from the date of issuance, commencement of risk, revival or rider, whichever is later. Within 3 years it may be called in question for fraud or for material misstatement/suppression, with written communication of grounds and materials.","display":"After 3 years, no policy shall be called in question on any ground whatsoever","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 years 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\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.\nFor this, the insurer should communicate in writing to the insured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based.","sources":[{"clause":"1","heading":null,"page":34,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-1-9"},{"clause":"2","heading":null,"page":34,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-2-8"}],"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":"The policy says the policyholder or claimant is responsible for tax compliance and that tax benefits, if any, may be available as per extant tax laws.","display":"Tax benefits, if any, may be available as per extant tax laws","note":null,"quote":"Policyholder/Claimant is advised to seek independent legal and/or tax advice. We have no responsibility in respect of Policyholder/Claimant’s tax obligations in any jurisdiction including but not limited to those that relate specifically to the Services provided by Us. Tax benefits, if any, may be available as per extant tax laws.","sources":[{"clause":"7","heading":"Taxes, duties and levies and disclosure of information","page":27,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-7-3"}],"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":"If You do not agree with the terms and conditions of the Policy, You have the option to request for cancellation of the Policy by returning the original Policy Document (in case the physical copy of Policy Document was sent to the Policyholder) along with a written request stating the reasons for objection to Us within 30 days from the date of receipt of Policy Document.","sources":[{"clause":"1","heading":"Free Look Provisions","page":22,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-1-5"}],"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":15},"display":"15 days for monthly Premium payment frequency; 30 days for other available Premium payment frequencies","note":"Not applicable for Single Premium Policies.","quote":"Grace Period is not applicable for Single Premium Policies, For Limited and Regular Pay Policies, a Grace Period of fifteen (15) days from the due date of the first unpaid Premium for Policies with monthly Premium payment frequency and thirty (30) days from the due date of the first unpaid Premium for all other available Premium payment frequencies will be allowed for the payment of each due Premium instalment.","sources":[{"clause":"8.7","heading":"Grace Period","page":21,"url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406#c-8-7"}],"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 0 years for all variants except Whole Life Benefit, where it is 30 years; if Policy Continuance Benefit on Death or Diagnosis of Critical Illness or Family Income Benefit is chosen, the minimum is 18 years. 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Income Plus Lumpsum Variant - Policy Document","pages":41,"fetched_at":"2026-10-17 19:30:57+00","source_url":"https://www.godigit.com/content/dam/godigit/life/product-documents/digit-icon-policy-document-income-plus-lumpsum-variant.pdf","url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5371"},{"kind":"wording","label":"Digit Icon - Lumpsum Variant - Policy Documents","pages":41,"fetched_at":"2026-10-17 19:31:35+00","source_url":"https://www.godigit.com/content/dam/godigit/life/product-documents/digit-icon-policy-document-lumpsum-variant-v04.pdf","url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5406"},{"kind":"wording","label":"Digit Icon - Whole Life Variant - Policy Documents","pages":38,"fetched_at":"2026-10-17 19:31:34+00","source_url":"https://www.godigit.com/content/dam/godigit/life/product-documents/digit-icon-policy-document-whole-life-variant-v04.pdf","url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5407"},{"kind":"wording","label":"Digit Icon - Income Variant - Policy Documents","pages":39,"fetched_at":"2026-10-17 19:31:37+00","source_url":"https://www.godigit.com/content/dam/godigit/life/product-documents/digit-icon-policy-document-income-variant-v04.pdf","url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5408"},{"kind":"wording","label":"Digit Icon - Lumpsum Variant (with Inbuilt Optional Benefits) - Policy Documents","pages":41,"fetched_at":"2026-10-17 19:31:36+00","source_url":"https://www.godigit.com/content/dam/godigit/life/product-documents/digit-icon-policy-document-lumpsum-variant-with-inbuilt-optional-benefits-v04.pdf","url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5409"},{"kind":"wording","label":"Digit Icon - Income Variant (with Inbuilt Optional Benefits) - Policy Documents","pages":40,"fetched_at":"2026-10-17 19:31:38+00","source_url":"https://www.godigit.com/content/dam/godigit/life/product-documents/digit-icon-policy-document-income-variant-with-inbuilt-optional-benefits-v04.pdf","url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5410"},{"kind":"wording","label":"Digit Icon - Income Plus Lumpsum Variant - Policy Documents","pages":42,"fetched_at":"2026-10-17 19:31:39+00","source_url":"https://www.godigit.com/content/dam/godigit/life/product-documents/digit-icon-policy-document-income-plus-lumpsum-variant-v04.pdf","url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5411"},{"kind":"wording","label":"Digit Icon - Income Plus Lumpsum Variant (with Inbuilt Optional Benefits) - Policy Documents","pages":43,"fetched_at":"2026-10-17 19:31:40+00","source_url":"https://www.godigit.com/content/dam/godigit/life/product-documents/digit-icon-policy-document-income-plus-lumpsum-variant-with-inbuilt-optional-benefits-v04.pdf","url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5412"},{"kind":"prospectus","label":"Digit Icon - Sales Brochures (Prospectus)","pages":32,"fetched_at":"2026-10-17 19:31:13+00","source_url":"https://www.godigit.com/content/dam/godigit/life/product-documents/digit-icon-sales-brochure-v4.pdf","url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5383"},{"kind":"cis","label":"Digit Icon - Customer Information Sheet (CIS)","pages":4,"fetched_at":"2026-10-17 19:31:14+00","source_url":"https://www.godigit.com/content/dam/godigit/life/cis/digit-icon-cis.pdf","url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5385"},{"kind":"cis","label":"Digit Icon (with Inbuilt Optional Benefits) - Customer Information Sheet (CIS)","pages":4,"fetched_at":"2026-10-17 19:31:16+00","source_url":"https://www.godigit.com/content/dam/godigit/life/cis/digit-icon-cis-with-inbuilt-optional-benefits.pdf","url":"https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04/document/5386"}],"versions":[{"uin":"165N011V01","version":null,"approved_on":null},{"uin":"165N011V04","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Go Digit Life Insurance official website","url":"https://www.godigit.com/life","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":"Life claims","url":"https://www.godigit.com/life/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal procedure","url":"https://www.godigit.com/life/grievance-redressal-procedure","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Digit Icon (UIN 165N011V04), IndiaInsurances, https://indiainsurances.com/policy/go-digit-life-insurance/digit-icon-165n011v04"}