{"uin":"512N367V01","name":"LIC’s Group Benefits Secure Plan","url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01","insurer":{"slug":"lic","name":"Life Insurance Corporation of India","url":"https://indiainsurances.com/insurer/lic"},"line":"life","category":"group-life","category_name":"Group and credit life","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"LIC’s Group Benefits Secure Plan is an annually renewable non-par, non-linked life group savings plan. Life cover is an absolute Sum Assured on Death as per Scheme Rules, with entry ages from 18 years completed to 75 years nearer birthday and a 30-day free-look period.","analysis":{"state":"machine","analysed_at":"2026-10-20 01:55:25.362477+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":["Defined Benefit Scheme","Defined Contribution Scheme"],"display":"Defined Benefit Scheme; Defined Contribution Scheme","note":"These are scheme/account structures described in the policy; no separately named retail plan variants are listed.","quote":"Defined Benefit Scheme: ... Defined Contribution Scheme:","sources":[{"clause":"4","heading":"Policy Account","page":9,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-4-3"}],"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":"Annually Renewable.","display":"Annually Renewable","note":null,"quote":"8. | Policy Term | Annually Renewable","sources":[{"clause":"6","heading":"Name of the Scheme","page":4,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-6-2"}],"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 in a claim at the earliest possible time.","display":"At the earliest possible time","note":null,"quote":"Master Policyholder is required to intimate the insurer, about the happening of the insured event resulting into a claim under the insurance policy, at the earliest possible time.","sources":[{"clause":"5","heading":"Normal requirements for a claim","page":14,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-5-4"}],"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","Certificate of proof of any other events defined in the Scheme Rules","Claims forms as prescribed by the Corporation","NEFT mandate from the claimant for direct credit of the claim amount to the bank account, to the satisfaction of the Corporation.","Proof of Identity and Evidence of age of the Member and of the beneficiary whenever required to the satisfaction of the Corporation.","copies of First Information Report (FIR), Panchnama and Post Mortem report","additional documents as may be required by them"],"display":"Original death certificate; proof of other Scheme Rules events; claim forms; NEFT mandate; proof of identity and age; for unnatural or accidental death, FIR, Panchnama and Post Mortem report may be called for.","note":null,"quote":"The following documents shall be required to process the claims:\n1. Original Death Certificate, in case of death claim\n2. Certificate of proof of any other events defined in the Scheme Rules\n3. Claims forms as prescribed by the Corporation\n4. NEFT mandate from the claimant for direct credit of the claim amount to the bank account, to the satisfaction of the Corporation.\n5. Proof of Identity and Evidence of age of the Member and of the beneficiary whenever required to the satisfaction of the Corporation. ... 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.","sources":[{"clause":"5","heading":"Normal requirements for a claim","page":14,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-5-4"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"Death claim payment, rejection or repudiation is within 15 days from receipt of all claim requirements without investigation, and within 45 days from receipt of all claim requirements with investigation.","display":"Within 15 days without investigation; within 45 days with investigation, from receipt of all claim requirements","note":"Stated in the Customer Information Sheet.","quote":"1 | Death Claim Payment/ Rejection/ Repudiation without investigation requirement under a Life Policy | Within 15 days from the date of receipt of all claim requirements\n2 | Death Claim Payment/ Rejection/ Repudiation with investigation requirement under a Life Policy | Within 45 days from the date of receipt of all claim requirements","sources":[{"clause":"Row 4(iii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11955#c-row-4-iii"}],"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":["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","Non-Renewal of insurance cover for a continuous period of 5 years","The balance in the Group Policyholder’s Account falls below Rs. 1,00,000/-","The numbers of Members covered under the policy are less than 10.","If the member ceases to be a member of the group as per Scheme Rules","On death of the Member","On Annual Renewal Date on which the age of the member is 81 years nearer birthday","On surrender / Termination of the Master Policy","On payment of free look cancellation amount for the Master Policy","In case the balance in the Group Policy Account or Individual Policy Account, as the case may be, is insufficient to deduct the risk premium."],"display":"Policy benefits may be void for untrue statements or suppression of material information. The policy/life cover can terminate for non-renewal for 5 years, low account balance, fewer than 10 members, ceasing group membership, death, age 81 at ARD, surrender/termination, free-look cancellation or insufficient account balance to deduct risk premium.","note":null,"quote":"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 ... a) Non-Renewal of insurance cover for a continuous period of 5 years,\nb) The balance in the Group Policyholder’s Account falls below Rs. 1,00,000/-;\nc) The numbers of Members covered under the policy are less than 10. ... a) If the member ceases to be a member of the group as per Scheme Rules; or\nb) On death of the Member; or\nc) On Annual Renewal Date on which the age of the member is 81 years nearer birthday; or\nd) On surrender / Termination of the Master Policy; or\ne) On payment of free look cancellation amount for the Master Policy; or\nf) In case the balance in the Group Policy Account or Individual Policy Account, as the case may be, is insufficient to deduct the risk premium.","sources":[{"clause":"2","heading":"Forfeiture in certain events","page":11,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-2-3"},{"clause":"7","heading":"Compulsory Termination","page":12,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-7-2"},{"clause":"8","heading":"Termination of Life Cover of a Member","page":12,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-8"}],"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":"Complain first to LIC’s Grievance Redressal Officers at Branch, Divisional, Zonal or Central Office, or register through LIC’s customer portal or email co_complaints@licindia.com. If the customer is not satisfied or gets no response within 15 days, the customer may approach IRDAI, and claim-related grievances can also go to the Insurance Ombudsman.","display":"LIC GROs at Branch/Divisional/Zonal/Central Office, LIC customer portal or co_complaints@licindia.com first; then IRDAI after 15 days or Ombudsman for claim grievances.","note":null,"quote":"The Corporation has Grievance Redressal Officers (GROs) at Branch/ Divisional/ Zonal/ Central Office to redress grievances of customers. ... Customers can also contact at e-mail id co_complaints@licindia.com for redressal of any grievances. ... In case the customer is not satisfied with the response or does not receive a response from us within 15 days, then the customer may approach the Policyholder’s Protection and Grievance Redressal Department ... For redressal of Claims related grievances, claimants can also approach Insurance Ombudsman","sources":[{"clause":"Section 45","heading":"of Insurance Act, 1938","page":15,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#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":"quote-verified","value":"The Sum Assured on Death is an absolute amount guaranteed on death as per Scheme Rules. The sales brochure states minimum Sum Assured on Death is Rs.10,000 per Member and maximum is Rs.20,00,000 per Member.","display":"Rs.10,000 to Rs.20,00,000 per Member; as per Scheme Rules","note":"Minimum and maximum limits are from the sales brochure.","quote":"Sum Assured on Death in respect of each Member means an absolute amount of benefit which is guaranteed to become payable on death of that Member in accordance with Scheme Rules. ... Minimum Sum Assured on Death | Rs.10,000 per Member\nMaximum Sum Assured on Death | Rs.20,00,000 per Member","sources":[{"clause":"Part B","heading":"DEFINITIONS","page":6,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-part-b-2"},{"clause":"2","heading":"Eligibility Criteria","page":1,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/12022#c-2"}],"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 while in service, if all due risk premiums have been paid, the Sum Assured on Death is payable as per the Scheme Rules. If death occurs during 30 days after ARD before renewal completion, it is payable if the Master Policyholder completes renewal within 30 days from ARD; after expiry of 30 days without renewal completion, Rs. 10000/- is payable, with outstanding risk premium deducted.","display":"Sum Assured on Death as per Scheme Rules if premiums are paid; during 30 days after ARD only if renewal is completed within 30 days; after 30 days without renewal, Rs. 10000/-","note":null,"quote":"Benefits under a) and b) shall be payable on death of a member while in service: ... i) If all due Risk Premiums have been paid: “Sum Assured on Death” in respect of a member covered shall be payable as per the Scheme Rules. ... ii) If death occurs during the period of 30 days after Annual Renewal Date ARD but before completion of the renewal process: “Sum Assured on Death” in respect of a member covered shall be payable as per the Scheme Rules provided the renewal process is completed by Master Policyholder within 30 days from ARD. ... iii) If death occurs after expiry of the period of 30 days from ARD and on non-completion of renewal process: “Sum Assured on Death” of Rs. 10000/- shall be payable in respect of a Member. Any outstanding Risk Premium, if any, from the date of death to the next ARD shall also be deducted from the Group Policy Account or Individual Policy Account, as the case may be.","sources":[{"clause":"1(I)","heading":"Death Benefits","page":7,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-1-i"},{"clause":"1(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-1-i-2"},{"clause":"1(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-1-ii"},{"clause":"1(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"quote-verified","value":"Contributions can be paid at any time during the policy year. Risk Premium for Sum Assured on Death is paid at inception and thereafter on or before each Annual Renewal Date in advance.","display":"Risk premium at inception and on or before each ARD; contributions any time during policy year","note":null,"quote":"The Master Policyholder can pay the Contributions to the Corporation at any time during the policy year. However, the Risk Premium for Sum Assured on Death along with applicable Taxes shall be paid at inception and thereafter, on or before each ARD in advance in respect of all the Members covered","sources":[{"clause":"2(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-2-i"}],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"quote-verified","value":"Life Cover of a Member terminates on the Annual Renewal Date on which the member’s age is 81 years nearer birthday.","display":"On ARD at age 81 years nearer birthday","note":null,"quote":"Life Cover of a Member shall terminate on the earliest of the following: ... c) On Annual Renewal Date on which the age of the member is 81 years nearer birthday;","sources":[{"clause":"8","heading":"Termination of Life Cover of a Member","page":12,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-8"}],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The Master Policyholder may surrender the policy at any time with 3 months’ advance notice. Surrender Value equals the Group Policy Account Value on the surrender day less applicable surrender charges and applicable Market Value Adjustment; life cover does not acquire any surrender value.","display":"Surrender any time with 3 months’ notice; Group Policy Account Value less surrender charges and MVA; life cover has no surrender value","note":"Current surrender charge stated in the policy is 0.05% of Group Policy Account Value, maximum Rs.500,000/-, if surrendered within third ARD.","quote":"The Policy can be surrendered by the Master Policyholder at any time by giving an advance notice of 3 months. On surrender of the policy, the Corporation shall pay the Surrender Value. ... The Surrender Value shall be equal to the Group Policy Account Value on the day of surrender less the applicable surrender charges and applicable Market value Adjustment amount as per Condition 4 below. Life Cover will not acquire any surrender value.","sources":[{"clause":"3","heading":"Surrender Value","page":11,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-3-4"}],"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":"If the renewal process is not completed within 30 days from ARD, the Sum Assured on Death is reduced to Rs. 10,000/- per Member from ARD and remains at that level for that policy year for existing and new members.","display":"After 30 days from ARD without renewal completion, Sum Assured on Death reduces to Rs. 10,000/- per Member","note":"The policy describes reduction of life cover on non-completion of renewal, not a conventional paid-up value.","quote":"In case of non-completion of renewal process within the period of 30 days from ARD, after the expiry of the said period of 30 days, the Sum Assured on Death will be reduced to Rs. 10,000/- per Member with effect from ARD. ... Once the Sum Assured on Death is reduced to the minimum level of Rs. 10,000/- per Member, it will remain at that level in respect of all the existing Members as well as the new Members joining during for that policy year.","sources":[{"clause":"3","heading":"Risk Premium and Renewal Process","page":8,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-3-3"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"Once the Sum Assured on Death is reduced to Rs 10,000/- per Member, the Master Policyholder may be allowed to restore the Sum Assured on Death only at the next ARD for surviving Members, subject to payment of full risk premium, required data/documents, written consent and Corporation approval.","display":"Restoration only at next ARD after reduction to Rs 10,000/- per Member","note":"The policy states restoration after cover reduction, not a conventional revival period.","quote":"Once the Sum Assured on Death is reduced to Rs 10,000/- per Member, the Master Policyholder may be allowed to restore the Sum Assured on Death only at next ARD for the surviving Members by payment of full Risk Premium as decided by the Corporation together with Members' data and any other details/documents required as per the Underwriting Policy of the Corporation subject to the explicit consent received in writing from the Master Policyholder and approval of the Corporation in this regard.","sources":[{"clause":"3","heading":"Risk Premium and Renewal Process","page":8,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-3-3"}],"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":"No loan is payable under this policy.","display":"No loan is payable","note":null,"quote":"No loan is payable under this policy.","sources":[{"clause":"6","heading":"Policy Loan","page":12,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-6-3"}],"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 three years from the later of policy issuance, commencement of risk, revival or rider date. Within three years it may be questioned for fraud, and the insurer must communicate the grounds and materials in writing.","display":"After 3 years, no policy can be called in question; within 3 years, fraud with written grounds/materials","note":null,"quote":"(1) No policy of life insurance shall be called in question on any ground whatsoever after the expiry of three years from the date of the policy, i.e. from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later.\n(2) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later on the ground of fraud:\nProvided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision is based.","sources":[{"clause":"Section 45","heading":"as per the Insurance Act 1938","page":16,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-section-45-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"not-stated","value":null,"display":null,"note":"The policy states taxes may be payable or deducted, but does not state any tax benefit.","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":30},"display":"30 days","note":null,"quote":"the policy may be returned to the Corporation within 30 days from the date of receipt of the electronic or physical mode of the Policy Document, whichever is earlier","sources":[{"clause":"5","heading":"Free Look Period","page":12,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-5-3"}],"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":"conflicting","value":{"unit":"days","amount":30},"display":"30 days after ARD to complete the renewal process","note":"The policy wording gives a 30-day renewal process after ARD with death cover if renewal is completed within 30 days from ARD. CIS says: 'Grace period | Not Applicable'.","quote":"A maximum period of 30 days shall be provided by the Corporation to the Master Policyholder to complete the renewal process (i.e. submission of Members’ data and payment of Risk Premium). ... In case of death of a Member, during the above mentioned period of 30 days, “Sum Assured on Death” in respect of that member shall be payable subject to deduction of applicable yearly risk premium from the Group Policy Account or Individual Policy Account, as the case may be provided the renewal process is completed by Master Policyholder within 30 days from ARD. ... 11. | Grace period | Not Applicable","sources":[{"clause":"3","heading":"Risk Premium and Renewal Process","page":8,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-3-3"},{"clause":"Row 4(iii)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11955#c-row-4-iii"}],"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 Age at Entry is 18 years completed and Maximum Age at Entry is 75 years nearer birthday.","display":"18 years (completed) to 75 years (nearer birthday)","note":null,"quote":"12. | Minimum Age at Entry | 18 years (completed) ... 13. | Maximum Age at Entry | 75 years (nearer birthday)","sources":[{"clause":"9","heading":"Annual Renewal Date","page":4,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-9"}],"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":["Contributions to the Corporation at any time during the policy year","Risk Premium for Sum Assured on Death along with applicable Taxes at inception and thereafter, on or before each ARD in advance"],"display":"Contributions any time during policy year; risk premium annually at inception and on or before each ARD","note":"The policy does not list yearly, half-yearly, quarterly or monthly retail modes.","quote":"The Master Policyholder can pay the Contributions to the Corporation at any time during the policy year. However, the Risk Premium for Sum Assured on Death along with applicable Taxes shall be paid at inception and thereafter, on or before each ARD in advance","sources":[{"clause":"2(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-2-i"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"cover_basis","label":"Cover basis","section":"Cover","meaning":"Flat cover, salary multiple or loan outstanding.","status":"quote-verified","value":"The cover is an absolute Sum Assured on Death for each Member, payable in accordance with the Scheme Rules.","display":"Absolute Sum Assured on Death per Member as per Scheme Rules","note":null,"quote":"Sum Assured on Death in respect of each Member means an absolute amount of benefit which is guaranteed to become payable on death of that Member in accordance with Scheme Rules. ... “Sum Assured on Death” in respect of a member covered shall be payable as per the Scheme Rules.","sources":[{"clause":"Part B","heading":"DEFINITIONS","page":6,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-part-b-2"},{"clause":"1(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958#c-1-i-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Document","pages":18,"fetched_at":"2026-10-17 20:00:03+00","source_url":"https://licindia.in/documents/20121/1669320/Policy+Document+Group+Benefit+Secure+Plan.pdf/46b5535c-2def-5d8f-7fb1-f111040eaa3e?t=1771407740748","url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11958"},{"kind":"cis","label":"CIS LIC’s Group Benefits Secure Plan","pages":6,"fetched_at":"2026-10-17 19:59:59+00","source_url":"https://licindia.in/documents/20121/1669335/CIS+Group+Benefit+Secure+Plan.pdf/92797dac-1dc9-4a93-3995-ec39ad3f7b6b?t=1771407825666","url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/11955"},{"kind":"brochure","label":"Sales Brochure","pages":10,"fetched_at":"2026-10-17 20:01:12+00","source_url":"https://licindia.in/documents/20121/1669301/Sales+Broucher+Group+Benefit+Secure+Plan.pdf/b3795563-5a0f-16fc-5a15-acf713f28501?t=1771407678391","url":"https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01/document/12022"}],"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 Benefits Secure Plan (UIN 512N367V01), IndiaInsurances, https://indiainsurances.com/policy/lic/lics-group-benefits-secure-plan-512n367v01"}