{"uin":"512N366V01","name":"LIC's Group Term Ease Plan","url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01","insurer":{"slug":"lic","name":"Life Insurance Corporation of India","url":"https://indiainsurances.com/insurer/lic"},"line":"life","category":"term-life","category_name":"Term life","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"LIC's Group Term Ease Plan is a non-participating, non-linked group pure risk life plan with monthly renewable cover. It pays the Sum Assured on Death in lump sum under an in-force policy and has no maturity, surrender, paid-up, loan, free-look or grace period.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:55:52.902295+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Monthly renewable.","display":"Monthly renewable","note":null,"quote":"16. | Policy Term | Monthly renewable","sources":[{"clause":"Schedule","heading":null,"page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-schedule"}],"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 Master Policyholder must intimate the insurer about the insured event resulting into claim at the earliest possible time.","display":"At the earliest possible time","note":null,"quote":"The Master Policyholder shall intimate to the insurer, about the happening of insured event resulting into claim, at the earliest possible time.","sources":[{"clause":"8","heading":"Normal requirements for a claim","page":12,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-8-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Original Death Certificate, in case of death claim","copies of First Information Report (FIR), Panchnama and Post Mortem report for unnatural death or death on account of or arising from an accident","additional documents as may be required","Claims forms as prescribed by the Corporation along-with original Certificate of Insurance of the Member in case of Non-Employer – Employee group","Records of medical treatment prior to the death (if any)","Proof of identity and Evidence of age of the Member and of the beneficiary whenever required","NEFT mandate from the claimant","certified Credit Account Statement where insurance covers outstanding loan under a Non-Employer-Employee group with a Financial Institution Master Policyholder"],"display":"Death certificate; FIR/Panchnama/Post Mortem for unnatural or accidental death; claim forms and Certificate of Insurance where applicable; medical records; identity and age proof; NEFT mandate; and Credit Account Statement for financial-institution loan cases","note":null,"quote":"For claiming the benefits as laid down in the Policy Schedule/Certificate of Insurance, the Master Policyholder will have to submit the following documents to the Corporation:\ni) Original Death Certificate, in case of death claim.\nii) In case of unnatural death or death on account of or arising from an accident, the Corporation reserves the right to call for the copies of First Information Report (FIR), Panchnama and Post Mortem report. The Corporation may also call for additional documents as may be required by them.\niii) Claims forms as prescribed by the Corporation along-with original Certificate of Insurance of the Member in case of Non-Employer – Employee group, Records of medical treatment prior to the death (if any).\niv) Proof of identity and Evidence of age of the Member and of the beneficiary whenever required to the satisfaction of the Corporation.\nv) NEFT mandate from the claimant for direct credit of the claim amount to the bank account, whichever is applicable, to the satisfaction of the Corporation. ... ii) Master Policyholder shall submit a certified Credit Account Statement in respect of each Member to the Corporation at the time of lodging claim.","sources":[{"clause":"8","heading":"Normal requirements for a claim","page":12,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-8-3"},{"clause":"9(ii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-9-ii"}],"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":"Claim requirements are raised within 15 days after lodging the claim. Death claim payment, rejection or repudiation is within 15 days from receipt of all claim requirements without investigation, or within 45 days from receipt of all claim requirements with investigation.","display":"Requirements within 15 days after lodging; death claim decision/payment within 15 days without investigation or 45 days with investigation from receipt of all claim requirements","note":"From the Customer Information Sheet; the policy wording gives claim documents but not these TAT benchmarks.","quote":"1 | Raising claim requirements after lodging the claim | 15 days\n2 | Death Claim Payment/ Rejection/ Repudiation without investigation requirement under a Life Policy | Within 15 days from the date of receipt of all claim requireme nts\n3 | Death Claim Payment/ Rejection/ Repudiation with investigation requirement under a Life Policy | Within 45 days from the date of receipt of all claim requireme nts","sources":[{"clause":"Row 1","heading":"Raising claim requirements after lodging the claim","page":3,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11956#c-row-1-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Suicide within 12 months from the date of commencement or revival or entry, whichever is later, except to the extent of 80% of premium paid during the Period of Cover","On death other than Accidental Death on the Date of Entry into the scheme, 80% of the Premium paid during the Period of Cover is payable","No Survival/ Maturity benefit shall be payable under this policy","Benefits may be void for contravention of conditions, untrue or incorrect statements, or suppression or withholding of material information, subject to Section 45"],"display":"Suicide within 12 months except 80% of premium; non-accidental death on Date of Entry limited to 80% of premium; no survival/maturity benefit; forfeiture for misstatement or suppression subject to Section 45","note":"Suicide exclusion is applicable for voluntary Schemes under Employer-Employee groups and all Schemes under Non Employer-Employee groups.","quote":"In case of death of a Member (whether sane or insane) due to suicide, at any time within 12 months from the date of commencement or date of revival of the policy or date of entry of the Member into the Scheme, whichever is later, the Corporation will not entertain any claim except to the extent of 80% of the premium paid (excluding extra premiums, taxes, if any and including Stamp Duty) during the Period of Cover in respect of that Member, provided the policy is in force. ... However, on death (other than Accidental Death) of a Member on the Date of Entry into the scheme, 80% of the Premium paid during the Period of Cover (excluding extra premium and taxes if collected explicitly) in respect of that member shall be payable. ... No Survival/ Maturity benefit shall be payable under this policy. ... in every such case but subject to the provisions of Section 45 of the Insurance Act 1938,as amended from time to time wherever applicable, the benefits under this Policy, in so far the same relate to the Member or Members in respect of whom such contravention of conditions or suppression or withholding of material information takes place or such untrue or incorrect statement has been made either by the Member himself or by the Master Policyholder, shall be void","sources":[{"clause":"3","heading":"Suicide Exclusion","page":10,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-3-5"},{"clause":"1(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-1-a"},{"clause":"1(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-1-b"},{"clause":"2","heading":"Forfeiture in certain events","page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-2-4"}],"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":"The customer may approach LIC Grievance Redressal Officers at Branch, Divisional, Zonal or Central Office, register through LIC's Customer Portal, or email co_complaints@licindia.com. Claimants not satisfied with death claim repudiation may refer the case to the Zonal Office or Central Office Claims Dispute Redressal Committee before approaching higher forums.","display":"LIC Grievance Redressal Officers, LIC Customer Portal or co_complaints@licindia.com; death claim repudiation review by Zonal/Central Office Claims Dispute Redressal Committee","note":null,"quote":"The Corporation has Grievance Redressal Officers at Branch/ Divisional/ Zonal/ Central Office to redress grievances of customers. For ensuring quick redressal of customer grievances the Corporation has introduced Customer friendly Integrated Complaint Management System through our Customer Portal (website) which is http://www.licindia.in, where a registered policy holder can directly register Complaint/grievance and track its status. Customers can also contact at e-mail id co_complaints@licindia.com for redressal of any grievances.\nClaimants not satisfied with the decision of death claim repudiation have the option of referring their cases for review to Zonal Office Claims Dispute Redressal Committee or Central Office Claims Dispute Redressal Committee.","sources":[{"clause":"Section 45","heading":"of Insurance Act, 1938","page":14,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-section-45"}],"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":"not-stated","value":null,"display":null,"note":"The policy schedule leaves the amount blank and states the death benefit is Sum Assured on Death as per Scheme Rules; no minimum or maximum cover is printed.","quote":null,"sources":[],"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 a Member during the Period of Cover while the policy is in-force, Sum Assured on Death is payable as per Scheme Rules. The minimum death benefit is 105% of total premiums paid during the Period of Cover, except that non-accidental death on the Date of Entry pays 80% of premium paid for that Period of Cover; the Sum Assured on Death is paid in lump sum to nominees or beneficiaries, with loan-balance adjustment where the Master Policyholder is a Financial Institution.","display":"Sum Assured on Death during Period of Cover; minimum 105% of total premiums paid, with 80% premium on non-accidental death on Date of Entry; lump sum payout","note":null,"quote":"On death of the Member during the Period of Cover provided the policy is in-force, Sum Assured on Death in respect of that Member shall be payable as per the Scheme Rules.\nThe minimum death benefit shall be 105% of the total premiums paid in respect of the Member (excluding extra premium and taxes if collected explicitly) during the Period of Cover.\nHowever, on death (other than Accidental Death) of a Member on the Date of Entry into the scheme, 80% of the Premium paid during the Period of Cover (excluding extra premium and taxes if collected explicitly) in respect of that member shall be payable. In case of employer-employee groups where the participation is compulsory, this clause shall not be applicable.\nThe “Sum Assured on Death” shall become payable in lump sum to the nominee (s)/ beneficiaries. In case the insurance is effected to cover the outstanding loan balance amount provided by the Financial Institution who is the Master Policyholder, the part of the claim proceeds will be utilized to repay the loan to the Master policyholder and the balance amount, if any, shall be paid to the nominee(s)/ beneficiary.","sources":[{"clause":"1(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-1-a"}],"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":"No Survival or Maturity benefit is payable under this policy.","display":"No Survival/ Maturity benefit","note":null,"quote":"No Survival/ Maturity benefit shall be payable under this policy.","sources":[{"clause":"1(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-1-b"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Premiums are payable on the Entry Date and subsequent Monthly Renewal Dates for the Insurance Cover.","display":"On the Entry Date and subsequent Monthly Renewal Dates","note":null,"quote":"The premiums payable for the Insurance Cover in respect of the Member on the Entry Date and subsequent Monthly Renewal Dates shall depend on the profile of the Group.","sources":[{"clause":"2","heading":"Payment of Premiums","page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-2-3"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":"The schedule has a blank for Maximum Cover Ceasing Age and no numeric maximum maturity or cover-ceasing age is printed.","quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If a Member dies by suicide within 12 months from commencement, revival, or entry into the Scheme, whichever is later, the Corporation will not entertain any claim except 80% of the premium paid during the Period of Cover, provided the policy is in force. This applies to voluntary Employer-Employee schemes and all Non Employer-Employee schemes.","display":"Within 12 months: only 80% of premium paid during the Period of Cover","note":null,"quote":"In case of death of a Member (whether sane or insane) due to suicide, at any time within 12 months from the date of commencement or date of revival of the policy or date of entry of the Member into the Scheme, whichever is later, the Corporation will not entertain any claim except to the extent of 80% of the premium paid (excluding extra premiums, taxes, if any and including Stamp Duty) during the Period of Cover in respect of that Member, provided the policy is in force.\nThis clause is applicable for voluntary Schemes under Employer- Employee groups and all the Schemes under Non Employer- Employee groups.","sources":[{"clause":"3","heading":"Suicide Exclusion","page":10,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-3-5"}],"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":"No Surrender Value is available. If the Master Policyholder surrenders the group policy, an individual Member's insurance cover continues for the period for which premiums have already been paid before surrender if the Member expressly conveys in writing that they want to continue the policy or cover.","display":"No Surrender Value; member cover may continue for already-paid period if opted in writing","note":null,"quote":"No Surrender Value shall be available under this plan.\nIn case of surrender of the group policy by the Master Policyholder, the insurance cover of an individual Member shall be continued for the period towards which premiums have already been paid before date of surrender for the Member who expressly convey to continue the policy/ cover in writing.","sources":[{"clause":"4","heading":"Surrender Value","page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-4-4"}],"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":"No paid-up value is available under this plan.","display":"No paid up value","note":null,"quote":"Non-forfeiture Regulations: Not applicable as there is no paid up value available under this plan.","sources":[{"clause":"2","heading":"Forfeiture in certain events","page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-2-4"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A lapsed policy may be revived within 15 days from the date of First Unpaid Premium, on payment of arrears of premium with interest and submission of member data and other documents stipulated by LIC, subject to underwriting and LIC's acceptance.","display":"Within 15 days from the date of First Unpaid Premium","note":null,"quote":"Lapsed Policy may be revived within a period of 15 days from the date of First Unpaid Premium on payment of arrears of premium together with interest (compounding half-yearly) at such rate as may be prevailing at the time of the payment, on submission of Members data and other documents as stipulated by Corporation. The revival shall be as per the underwriting Policy in respect of this plan. ... The Corporation reserves the right to accept at the original terms, accept with modified terms or decline the revival of a lapsed policy.","sources":[{"clause":"3","heading":"Revival of policy","page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-3-4"}],"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":"Loan is not available under this plan.","display":"Loan not available","note":null,"quote":"Loan shall not be available under this plan.","sources":[{"clause":"5","heading":"Loan","page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-5-4"}],"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":"The CIS states riders opted are not applicable, but the documents do not state which riders, if any, are available for purchase.","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 the expiry of three years from the date of the policy, commencement of risk, revival or rider, whichever is later. Within three years, it may be called in question on fraud or material misstatement/suppression grounds with written communication of grounds and materials; for non-fraud misstatement or suppression, premiums collected are payable within ninety days from repudiation.","display":"Cannot be questioned after 3 years; within 3 years only on fraud or material misstatement/suppression with stated safeguards","note":null,"quote":"(1) No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e. from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later. (2) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later on the ground of fraud: ... (4) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground that any statement of or suppression of a fact material to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or rider issued: ... the premiums collected on the policy till the date of repudiation shall be paid to the insured or the legal representatives or nominees or assignees of the insured within a period of ninety days from the date of such repudiation.","sources":[{"clause":"Section 45","heading":"as per the Insurance Act 1938","page":21,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-section-45-2"},{"clause":"Section 45(d)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-section-45-d"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"not-stated","value":null,"display":null,"note":"The document discusses taxes payable or deductible, but does not state tax benefits.","quote":null,"sources":[],"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":0},"display":"No Free look period is applicable","note":null,"quote":"Free look period: Free look period shall not be applicable under this plan.","sources":[{"clause":"7","heading":"Free look period","page":9,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-7-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":0},"display":"Grace Period not applicable","note":null,"quote":"Grace Period shall not be applicable under this plan.","sources":[{"clause":"5","heading":"Grace Period","page":8,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-5-3"}],"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":"The schedule has blanks for minimum and maximum entry age; no numeric youngest or oldest entry age is printed.","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":"quote-verified","value":["Monthly"],"display":"Monthly","note":null,"quote":"13. | Frequency of Premium payment | Monthly","sources":[{"clause":"Schedule","heading":null,"page":4,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-schedule"}],"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":["Monthly Renewable"],"display":"Monthly Renewable","note":null,"quote":"Premium payment: Monthly Renewable Policy Term: Monthly Renewable","sources":[{"clause":"Row 4","heading":"Basic Policy details","page":1,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11956#c-row-4"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"quote-verified","value":"No. No Survival or Maturity benefit is payable under this policy.","display":"No Survival/ Maturity benefit","note":null,"quote":"No Survival/ Maturity benefit shall be payable under this policy.","sources":[{"clause":"1(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-1-b"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"quote-verified","value":"The Sum Assured on Death is payable in lump sum to the nominees or beneficiaries. If the insurance covers an outstanding loan balance of a Financial Institution Master Policyholder, part of the claim proceeds is used to repay the loan and the balance, if any, is paid to the nominees or beneficiary.","display":"Lump sum to nominee(s)/beneficiaries; loan-balance adjustment for Financial Institution cases","note":null,"quote":"The “Sum Assured on Death” shall become payable in lump sum to the nominee (s)/ beneficiaries. In case the insurance is effected to cover the outstanding loan balance amount provided by the Financial Institution who is the Master Policyholder, the part of the claim proceeds will be utilized to repay the loan to the Master policyholder and the balance amount, if any, shall be paid to the nominee(s)/ beneficiary.","sources":[{"clause":"1(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-1-a"}],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"quote-verified","value":"No increasing cover during the term is stated; for a member, there will be no change in Sum Assured during the term of the policy.","display":"No change in Sum Assured during the term","note":null,"quote":"There will be no change in Sum Assured for a member during the term of the policy.","sources":[{"clause":"6","heading":"Renewal of Assurance in respect of a Member","page":12,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-6-4"}],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"quote-verified","value":"A member may have to produce evidence of health or continued insurability in the form and manner prescribed by the Corporation, at the member's own cost. The documents do not state a cover threshold for medical evidence or tests.","display":"Evidence of health/continued insurability may be required; no cover threshold stated","note":null,"quote":"Every Member of this Scheme shall become entitled to the benefits under the Policy as from the Entry Date on which he first becomes a Member of this Scheme (as applicable and after subject to the consent of the Master Policyholder and the Corporation and on production of evidence of health, if any, in the form and manner prescribed by the Corporation at his own cost) or from any subsequent Entry Date. ... Evidence of Continued Insurability to the satisfaction of the Corporation in the form and manner prescribed shall be furnished in respect of the Member(s) before the Assurance or increase in Sum Assured under Assurance is effected.","sources":[{"clause":"5(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-5-i"},{"clause":"7","heading":null,"page":12,"url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960#c-7-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Document","pages":21,"fetched_at":"2026-10-17 20:00:06+00","source_url":"https://licindia.in/documents/20121/1669228/Policy+Document+Group+Term+Ease+Plan.pdf/54199c4b-677c-b947-5ffb-79b4ea8b14df?t=1771606543208","url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11960"},{"kind":"cis","label":"CIS LIC's Group Term Ease Plan","pages":6,"fetched_at":"2026-10-17 20:00:02+00","source_url":"https://licindia.in/documents/20121/1669228/Customer+Information+Sheet+-+Group++Term+Ease+Plan.pdf/f9f2a5c4-2ff1-0116-8ea5-2b431cdc5773?t=1771606543923","url":"https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01/document/11956"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"LIC official website","url":"https://www.licindia.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 settlement requirements","url":"https://licindia.in/web/guest/claims-settlement-requirements","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://licindia.in/web/guest/grievances","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":"LIC's Group Term Ease Plan (UIN 512N366V01), IndiaInsurances, https://indiainsurances.com/policy/lic/lic-s-group-term-ease-plan-512n366v01"}