You get married.

You have
children. You get them
married. You retire.
Isn’t life full of certainties?

Your IndiaFirst Life

Insurance Plan
[Link] • Call us on 1800 209 8700

Disclaimer: Applicable taxes levied as per extant tax laws shall be deducted from the premium or from the allotted units as applicable.
IndiaFirst Life Insurance Company Limited, IRDAI Regn No.143, CIN: U66010MH2008PLC183679, Address: 12th & 13th floor, North [C] Wing, Tower 4,
Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai – 400 063. [Link]fi[Link], SMS <LIFE> to 5667735 SMS
Charges apply. Toll free No – 1800 209 8700. Trade logo displayed above belongs to our promoters M/s Bank of Baroda and M/s Union Bank of India
and are used by IndiaFirst Life Insurance Co. Ltd under License. Advt. Ref. No.: IndiaFirst Life Guaranteed Protection Plan/Policy Document/ E/ 001.
BEWARE OF SPURIOUS / FRAUD PHONE CALLS
• IRDAI is not involved in activities like selling of insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls
are requested to lodge a police complaint.
 PART A
INDIAFIRST LIFE INSURANCE COMPANY LIMITED
Regd. & Corporate Office: 12th and 13th Floor, North [C] Wing,Tower 4, Nesco IT Park, Nesco Center,Western Express
Highway,Goregaon (East),Mumbai – 400063
CIN : U66010MH2008PLC183679
T50 15486/690481/SpeedPost/CSC01/0

Date : Feb 28, 2023

AX482445512IN

To, Agency code : 56943165

Mr. DURGA PRASAD PUHAN Agency Name : CSC E GOVERNANCE SERVICES INDI
C/O- SADHU CHARAN PUHAN
GOPA JAGATSINGHPUR Branch Name : CSCHO
Jagatsinghapur
Odisha - 754103 Contact No : 18002098700
Mobile No: 9938932849 Email ID : [Link]@[Link]

Policy No: 60146451

Branch Address IndiaFirst Financial Planning Center Address
Electronic Niketan 303-306,3rd floor
4th Floor DTI Mohan Dev Bldg Tolstoy Marg
CG road complex lodhi rd Connaught Place
New Delhi Nr Vandana Building
Delhi - 110003 Delhi - 110001
India India

IndiaFirst Life Micro Bachat Plan – UIN: 143N052V02

A Non- Linked, Participating, Limited Pay, Micro Life Insurance Plan
Dear Customer,

Congratulations! You have taken a step towards insuring your ‘Happy Family’ and we are glad to be part of this journey with you

All our products have been designed to be simple and easy to understand, providing true value for money.

We have provided you the relevant information about your policy in this policy document. This document is simple to understand.
Please read it carefully to ensure that this is the right policy for your financial needs.

You can return your policy document if you disagree with any of the terms and conditions within the first 15 (fifteen) days of receipt of
your Policy document. In case you have bought this Policy through distance marketing or electronic mode, then, you may return the
Policy within 30 (thirty) days from the date of receipt of your Policy document.

You will need to send us the original Policy document and a written request stating your reasons for cancellation, post which we will
cancel the policy and refund your Premium within 15 days of receipt of the request after deducting the pro rata risk Premium and rider
premium, if any, stamp duty and medical cost, if any

In case of any communication in respect of the policy; You may contact Us at IndiaFirst Life Insurance Company Ltd, 12th & 13th floor,
North [C] Wing, Tower 4, Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai – 400 063. You can also
write to Us at [Link]@[Link] or contact us on 1800 209 8700.

Thank you once again for choosing IndiaFirst.

Yours truly,

Atri Chakraborty
Chief Operating Officer

Insurance Intermediary Details

Name: CSC e-Governance Services India Ltd

Intermediary Code : SPV101/09/2013

Telephone No.: 011-24301349

Address: Electronics Niketan 3rd Floor DIT 6,CGO Complex Lodhi Road New Delhi 110003

E-mail ID :
T50

Policy Preamble
IndiaFirst Life Micro Bachat Plan
A Non-Linked, Participating, Limited Pay, Micro Life Insurance Plan
UIN [143N052V02]
The Policyholder and the Life Assured named in the Policy Schedule have submitted the Proposal Form together with a personal
statement and paid the first instalment of Premium specified herein to the Company for grant of the benefits specified in the
Policy Schedule. It is agreed by the Policyholder, the Life Assured and the Company that the Proposal Form and the personal
statement together with any report or other documents shall form the basis for issuance of this Policy and that the grant of the
benefits under this Policy is subject to due receipt of subsequent instalments of Premiums and due compliance with the terms
and conditions contained in this document.

Subject to the terms and conditions of this Policy, the Company agrees that the benefits under this Policy shall become payable
on the death of the Life Assured during the Policy Term or on occurrence of the covered event during the Policy Term, as the
case may be.

It is further hereby declared that every endorsement issued on this Policy by the Company shall be deemed to be a part of this
Policy.

Signed by and on behalf of

IndiaFirst Life Insurance Company Limited

Atri Chakraborty
Chief Operating Officer
First Premium Reciept

Mr. DURGA PRASAD PUHAN

C/O- SADHU CHARAN PUHAN
GOPA JAGATSINGHPUR
Jagatsinghapur
Odisha - 754103
Mobile No: 9938932849

Premium Payment Details

Policy number 60146451
Name of the Policyholder Mr. DURGA PRASAD PUHAN
Basic plan IndiaFirst Life Micro Bachat Plan
Premium received (In INR) 5,029.00
Payment mode Half yearly
Next Premium due 26/08/2023

Please note:
n If you are an individual, your premiums paid under the plan, are eligible for tax deductions under Section 80 C as applicable
under Income Tax Act, 1961

n Tax laws are subject to change from time to time. Please refer to the ‘Policy Schedule’ available with the Plan Documents for
further details.

n
This is a computer generated receipt and does not require a signature

n
This receipt is issued subject to the clearance of the payment

Please contact us for any further information, on 1800-209-8700 or email us at [Link]@[Link] or visit us at
[Link]

Consolidated Revenue Mudrank paid vide certificate [Link]/537/2022/5036 Dt. 28th Nov 2022
This page is intentionally left blank.
 Annexure A - Policy Schedule
[Link] Details
Company Name: IndiaFirst Life Insurance Company Limited
Product Name: IndiaFirst Life Micro Bachat Plan
UIN: 143N052V02
Policy Number: 60146451
Proposal Number : P83442263
Policy Commencement Date: 26/02/2023
Risk Commencement Date: 26/02/2023
Maturity Date: 26/02/2038
II. Premium and Benefit Details

Guaranteed Sum Assured at Maturity: 60,000.00 Sum Assured of Accidental Death: 98,242.00
Sum Assured on Death: 60,000.00
Plan Option: Extra Life Premium Paying Term (In Years) : 05
Policy Term (In Years) : 15 Premium Due Dates: 26/08/2023
Annualized Premium:
Premium Payment Mode: Half yearly 10,058.00
Annualized Rider Premium, if any
Due Date for Payment of Last Regular
26/08/2027 Extra Premium, if any : 0.00
Premium:
Installment Premium (in INR):
Total Premium (including Applicable
Installment Rider Premium, if any (in 5,029.00 5,029.00
Taxes) in INR:
INR):

III. Policyholder and Life Assured Details

Policyholder’s Name: Mr. DURGA PRASAD PUHAN
Date of Birth: 04/06/1998
Relationship with Life Assured Self
C/O- SADHU CHARAN PUHAN
GOPA JAGATSINGHPUR
Policyholder's Address Jagatsinghapur
Odisha
754103

Telephone No./ Mobile No: 9938932849

Life Assured’s Name: Mr. DURGA PRASAD PUHAN
Date of Birth: 04/06/1998
Client ID: 91906568
Gender (Male / Female) : M
C/O- SADHU CHARAN PUHAN
GOPA JAGATSINGHPUR
Jagatsinghapur
Life Assured’s Address: Odisha
754103

Telephone No./ Mobile No: 9938932849

[Link] details as per Section 39 of the Insurance Act, 1938 as amended from time to time

Nominee Name Percentage Share Age of Nominee Relationship of Nominee Appointee’s Name*
Mr. SADHU CHARAN PUHAN 100% 55 Father
*If any of the Nominees is a minor, then, the Appointee will be the person named as the Appointee in the Proposal Form and
shall be entitled to receive the death benefit from us for and on behalf of the Nominee under this Policy.
V. Rider Benefit
Rider Sum Rider Term (In Rider Premium Paying Rider Premium Applicable Taxes Total Rider
Rider Benefit UIN Extra Premium
Assured Years) Term (In Years) (In INR) (In INR) Premium

NA NA NA NA NA NA NA NA NA
VI. Insurance Distributor Details
Name : CSC e-Governance Services India Ltd
Intermediary Code : SPV101/09/2013
Telephone No. : 011-24301349
Address : Electronics Niketan 3rd Floor DIT 6,CGO Complex Lodhi Road New Delhi 110003

Email ID :

[Link] Conditions
NIL
The Stamp Duty of Rs. 19.64/- (Rupees Ninteen Rupees and Sixty Four Paisa only) paid vide certificate No. CSD/454/2022/3900 dated 05th Sep
2022. Government Notification Revenue and Forest Department No. Mudrank 2017/C.R. 97/M-1, dated Dt. 09th Jan 2018.

Note: ON EXAMINATION OF THIS POLICY, if you notice any mistake, then, you may contact us for correction of the same. The Premium payable
under this Policy may differ on the basis of the Extra Premiums, if any, the Premium payment mode chosen by you and the applicable Modal Factor.
Please read the terms and conditions of this Policy carefully to understand the terms referred to in this Policy Schedule.
 PART B

Definitions
We have listed below a few words, terms and phrases which have been used in this Policy along with their meaning for your easy
reference.

Word Meaning
Accident Accident means sudden, unforeseen and involuntary event caused by external and visible means.
Age of the Life Assured as at the last birthday on the Policy Commencement Date and on any subsequent
Age
Policy Anniversary.
Annexure Any annexure, endorsement attached to this Policy as changed/ modified and issued by us from time to time.
An amount which is payable in a Policy Year, excluding Extra Premium, loadings for modal premiums and
Annualized Premium
applicable taxes, cesses or levies, if any.
The person appointed by you to receive the benefits under this Policy, if the Nominee is less than 18
Appointee
(Eighteen) years of Age.
Assignment is the process through which Policyholder can assign the rights and benefits under the policy to
Assignment any other person / entity by virtue of an assignment clause under section 38 of the Insurance Act, 1938 as
amended from time to time.
This is an amount, which is determined at the end of every financial year and declared as Simple Reversionary
Bonus Bonus, if any, and/ or Terminal Bonus, if any, as the case may be.
Distance Marketing includes every activity of solicitation (including lead generation) and sale of insurance
products through the following modes: (i) Voice mode, which includes telephone-calling; (ii) Short Messaging
Distance Marketing service (SMS); (iii) Electronic mode which includes e-mail, internet and interactive television (DTH); (iv)
Physical mode which includes direct postal mail and newspaper & magazine inserts; and, (v) Solicitation
through any means of communication other than in person
An additional amount payable by you, which is determined by us in accordance with our board approved
underwriting policy. This is determined on the basis of information provided by you in the Proposal Form or on
Extra Premium
the basis of any other information submitted to us or through medical examination of the Life Assured subject
to your consent. e.g. we may charge an Extra Premium in case of a Life Assured who is a smoker.
A period of 15 days (30 days if the policy is sourced through distance marketing or electronic mode) from the
Free Look Period date of receipt of the Policy, during this period you can return the policy if you disagree to any of the terms and
conditions of your policy.
First Unpaid Premium Date Date from where the premium is due however not paid by the policyholder
A period of one month but not less than 30 (Thirty) days from the due date for payment of Premium for yearly,
Grace Period half yearly and quarterly Premium payment mode and 15 (Fifteen) days for monthly Premium payment mode.
During this period the policy will be considered to be in-force.
Guaranteed Surrender Value The minimum amount payable by us on Surrender of this Policy
Income Tax Act Income Tax Act, 1961, as amended from time to time
An amount that you pay us during the Premium Paying Term at regular intervals for securing the benefits
under this Policy. The Premium payable under this Policy will be determined by us on the basis of the Premium
Installment Premium
payment mode chosen by you and the applicable Modal Factor. Your Premium is specified in the Policy
Schedule.
Insurance Act Insurance Act, 1938 and as amended from time to time
Non-payment of premium within the expiry of grace period and provided Policy has not acquired any Paid-Up
Lapse
value.
Life Assured The person on whose life this Policy has been issued by us.
Maturity Benefit This is the amount you receive on the Maturity Date, provided the Life Assured is alive
A factor used by us for calculating the instalment Premium payable by You under this Policy, if you have opted
Modal Factor
to pay the Premium other than yearly mode.
Nomination Nomination is as per section 39 of the Insurance Act, 1938 as amended from time to time
Nominee is the person nominated by the Life Assured under this Policy who is authorized to receive the claim
Nominee
benefit payable under this Policy and to give a valid discharge to the Company on settlement of the claim
Under this Policy, if we have received all the due Premium from you for the first 1 (One) Policy Year then, this
Paid-Up Mode
Policy will not terminate but continue under paid up mode.
This IndiaFirst Life Micro Bachat Plan, which includes this Policy wording (as may be changed/ modified by us
subject to receipt of prior approval of the Regulatory Authority, from time to time), the Proposal Form,
Policy
Annexures, the Policy Schedule, any tables, information and documents which form a part of this Policy. This
Policy includes the entire contract of insurance between you and us.
Policy Anniversary The annual anniversary of the Policy Commencement Date.
Policy Commencement Date The date on which this Policy is issued by us. This is specified in the Policy Schedule.
The schedule attached to this Policy as Annexure A and if we have issued a revised Policy Schedule, then,
Policy Schedule
such revised Policy Schedule.
Policy Term The period which starts on the Policy Commencement Date and ends on the Maturity Date.
A period of 12 (Twelve) consecutive months starting from the Policy Commencement Date and ending on the
Policy Year day immediately preceding its annual anniversary and each subsequent period of 12 (Twelve) consecutive
months thereafter during the Policy Term.
An amount that you pay us as Regular Premiums for securing the benefits under this Policy. This is specified in
Premium
the Policy Schedule.
The time period during which you need to pay your Premiums regularly to us for securing the benefits under
Premium Paying Term
this Policy. Your Premium Paying Term is specified in the Policy Schedule.
Proposal Form The proposal form completed and submitted by you based on which we have issued this Policy to you.
Risk Commencement Date The date on which the insurance coverage starts under this Policy. This is specified in the Policy Schedule.
The Insurance Regulatory and Development Authority of India or such other authority or authorities, as may be
Regulatory Authority designated/ appointed under the applicable laws and regulations as having the authority to oversee and
regulate life insurance business in India.
Revival is the process of restoring all the benefits under the Policy due to the nonpayment of premiums on due
Revival
dates, resulting in the Policy getting lapsed or paid-up as the case may be.
The period of 5 (Five) consecutive years from the date of first nonpayment of premium during which you can pay
Revival Period the due unpaid Premiums with interest/Late fees to us and comply with the conditions specified in Part D, as the
case may be for reviving the Policy
Simple Reversionary Bonus is the surplus/profit (if any) added by us to the policy. It is declared per thousand
Simple Reversionary Bonus
Sum Assured on Maturity at the end of each financial year.
The Special Surrender Value will be used by us for determining the Surrender Value payable under this Policy
Special Surrender Value
upon Surrender of this Policy.
Surrender Termination or cancellation of this Policy prior to the Maturity Date.
The amount payable by us on Surrender of this Policy before the Maturity Date, which is higher of the
Surrender Value
Guaranteed Surrender Value or the Special Surrender Value.
Terminal Bonus, is an additional amount payable along with the benefits on termination of the policy, if
Terminal Bonus
applicable.
We or us or our or Insurer or
IndiaFirst Life Insurance Company Limited.
Company
You or your or Policyholder or
The person named as the Policyholder in the Policy Schedule, who has taken this Policy from us.
Proposer

Definitions of Accidental Death Benefit given below, details of the benefit under ADB is provided in Part C
An event or contiguous series of events, which are violent, unforeseen, involuntary, external and visible in nature,
Accident
which causes Bodily Injury
Accidental Death shall mean death:
a. which is caused by Bodily Injury resulting from an Accident and
b. which occurs due to the said Bodily Injury solely, directly and independently of any other causes
Accidental Death
and
c. which occurs within 180 days of the occurrence of such Accident provided date of accident is
within the policy term
Bodily Injury means accidental physical bodily harm excluding illness or disease solely and directly caused by
Bodily Injury
external, violent, visible and evident means which is verified and certified by a Medical Practitioner.
Medical Practitioner means a person who holds a valid registration from the Medical Council of any State or
Medical Council of India or Council for Indian Medicine or for Homeopathy set up by the Government of India
Medical Practitioner
or a State Government and is thereby entitled to practice medicine within its jurisdiction; and is acting within its
scope and jurisdiction of license.
 PART C
The reduced paid-up benefits are as follows:
1. Benefits under the policy 3.1 Death Benefit under Reduced Paid up policy:
1.1 Life Benefit The death benefit would be the Reduced paid-up Sum Assured on
On Death of the Life Assured during the policy term when the policy is death plus accrued simple reversionary Bonus(if any) plus terminal
in force or fully paid-up, the death benefit will be payable, and the policy bonus, if any till the date of paid-up
will terminate. Where Reduced paid-up Sum Assured on death is defined as Sum
Assured on Death as on the date of policy being made paid-up *
Death Benefit is higher of Guaranteed Sum Assured on Death plus (Total numbers of premiums paid)/(Total Number of premiums
accrued simple reversionary bonus, if any, plus terminal bonus, if any payable over the policy term)
Or 105% of total premiums paid excluding modal loading factor,
applicable tax and underwriting extra premium, if any, till date of death. 3.2 Maturity Benefit under the Reduced Paid-up policy:
The maturity benefit would be the Reduced paid-up Sum Assured on
Where Guaranteed Sum Assured on Death is 10 times of annualized maturity plus accrued simple reversionary bonus, if any plus terminal
premium. bonus, if any till the first unpaid premium date less survival benefit
Death benefit will be paid either as lump sum amount or in monthly paid, if any.
instalments over the period of 5 years as opted by the Where Reduced paid-up Sum Assured on maturity is defined as
policyholder/nominee(s) at any time during policy period or on death of (Guaranteed Sum Assured on Maturity plus Survival Benefit * (Total
Life Assured. numbers of premiums paid)/ (Total Number of premiums payable over
the policy term)
In case of death benefit in instalments; the monthly instalment amount
will be calculated by multiplying the death benefit by annuity factor, 3.3. Policy will not be eligible for any future simple reversionary
where annuity factor will be arrived on the basis of prevailing SBI bonuses, if any once it has been converted into a paid-up policy.
savings bank interest rate as on date of death. Once the instalment
payment starts, this payment remains level throughout the instalment 3.4 A Reduced Paid-Up policy can be revived and reinstated (to the
period. The prevailing SBI savings bank interest rate is subject to original benefits) within five years from the date of first unpaid Premium
review at the end of every financial year. The prevailing interest rate subject to the conditions. Upon revival of the policy within the revival
will be decided on 31st March every year. period, all due simple reversionary bonuses, if any, including those
bonuses, if any during the period of lapse will be added as per in-force
policy.
1.2 Extra Life Benefit
If opted at inception by the policy holder, following benefits are payable: 3.5 If policy in Reduced Paid Up mode is not revived during the
revival period, it will continue in the reduced paid up mode until
On death of life assured, the benefit on death will be as mentioned
maturity or death or surrender of the policy.
above in Life Benefit option.
On accidental death of life assured, an additional death benefit which 3.6 A Policy becomes fully paid-up provided all due premiums are
is equal to Guaranteed Sum Assured on death as mentioned above will paid during the term of the policy and the benefits payable will be as
be paid. per the terms and conditions of the policy.
The death benefit will be paid to the nominee either as lump sum or in
instalment as mentioned above. 4. Bonuses

4.1 Simple Reversionary Bonus

1.3 Maturity benefit The Simple Reversionary Bonus, if declared by us will be calculated on
the Guaranteed Sum Assured at Maturity. The Simple Reversionary
Maturity benefit will be payable on survival up to the end of policy term Bonus rates are not fixed or guaranteed and may change from time to
provided the policy is in force and fully paid-up. Maturity benefit is time. However, once declared, they are then guaranteed. If the Policy
Guaranteed Sum Assured at Maturity plus accrued simple reversionary is under Paid-Up Mode, no future simple reversionary bonus will be
bonus, if any plus terminal bonus, if any. added. In case of the Life Assured’s death, only the accumulated
Where Guaranteed Sum Assured at Maturity is the sum assured simple reversionary bonus, declared till the date of paid-up will be
chosen by the policyholder at inception of the policy. payable.

4.2 Terminal Bonus

2. Rider benefits We may declare the Terminal Bonus based on our investment
experience and it is at the discretion of the company. No Terminal
IndiaFirst Life Waiver of Premium Rider will be available under this Bonus is payable if the Policy is under Paid-Up Mode.
policy.
5. Surrender Benefit
This rider provides benefit of waving all future premiums due and
payable under the Base Policy on the occurrence of the covered event
You may surrender this Policy during the Policy Term, by submitting a
provided you have opted this rider and subject to base policy and rider written request to us any time after the Policy has acquired the
being in force. Please refer to rider policy document for details. Surrender Value. Please remember, you cannot revive your Policy
once it is surrendered.
3. Paid-Up benefits
Surrender Value is acquired, if you have paid your Premiums for at
In case of non-payment of premium before the expiry of grace period, least 1 (One) full policy year.
policy will acquire paid-up value provided at least 1 (one) full year The Guaranteed Surrender Value is GSV factor for premium multiplied
premium has been paid. by total premium paid excluding rider premium, if any, till date of
surrender plus the GSV factors for accrued bonus multiplied by total
subsiding bonus accrued to the policy till date of surrender.
The Special Surrender Value will be paid up value multiplied by the accordance with our board approved underwriting policy. The current
SSV factor at the time of surrender. The SSV factor will be determined interest charged for delay in premium payment is 9% p.a. which may
by the Company from time to time as per the asset share of the be revised from time to time.
company. Any change in revival interest rate is subject to prior approval from
IRDAI.
Surrender value will be higher of SSV and GSV, where GSV and SSV
will be calculated as mentioned above. The Policy will terminate and you will not be entitled to receive any
For more details on guaranteed surrender value factors, please refer benefits, if the lapsed Policy is not revived till the expiry of the revival
to Annexure I or visit our website, [Link] or get in touch period.
with your financial advisor.
10. Free Look Period
In case of non-payment of premium within the expiry of grace period You can return your policy document if you disagree with any of the
and provided policy has not acquired any Surrender Value; the policy terms and conditions within the first 15 days for all channels except
will lapse. All the benefits will cease, and no benefit will be payable Distance Marketing or electronic mode where it is 30 days from receipt
under the policy. of your policy document. You are required to send us the original Policy
document and a written request stating the reasons for cancellation,
post which we will refund your Premium within 15 days of receipt of the
6. Grace Period
request after deducting the pro rata risk Premium, pro rata rider risk
premium, if any, stamp duty and charges for medical examination, if
You are provided a Grace Period of 15 days under monthly mode and any.
one month but not less than 30 days for other premium payment
modes, in case you miss your due premium on the due dates. In case 11. Loan
of the Life Assured’s death or occurrence of any covered event as per You can avail a loan upto 90% of the acquired Surrender Value, if any.
the benefit option chosen during the Grace Period, we will pay the
The minimum loan amount which can be availed is INR 1000. We will
benefit after deducting the unpaid due premiums till date of death or charge interest at a rate of 9% per annum which may be revised by us
date of the covered event. During this period the policy will be from time to time subject to IRDAI approval. Any change in loan interest
considered to be in-force.
rate is subject to prior approval from IRDAI.
7. Premium Payment On availing loan, this Policy will be assigned to us. We will reassign this
Policy to you provided you have repaid the entire loan amount along
Regular Premiums can be paid to us either by monthly/ quarterly/ half with interests. We will recover any unpaid loan amount along with
yearly/ yearly payment mode, as selected by you in the Proposal Form. interest before paying the death benefit to the Nominee(s) / Appointee/
The Premiums should be paid on or before the due dates to avoid any legal heir(s) or the maturity benefit to the Life Assured. If this Policy is
lapsation. You are provided a Grace Period of 15 days under monthly under Paid-Up Mode, then, this Policy will be compulsorily surrendered
mode and 30 days for other premium payment modes, in case you miss by us and the outstanding loan amount along with the interest will be
your due premium on the due dates. recovered from the Surrender Value or paid-up benefit in case the loan
amount along with interest exceeds the Surrender Value.
PART D

8. Life Cover Continuance Benefit

 Your policy will have life cover continuance benefit if the policy
has acquired paid up value.
 Under this benefit; if you miss to pay premium for one policy year
after your policy acquires paid up value; the death benefits under
the policy will continue as per the in-force policy for one year from
the date of “First Unpaid Premium (FUP)” and no due premium
at FUP date will be deducted from death benefit amount.
 During this period no simple reversionary bonus, if any will be
accrued for the year in which annual premium due for that year
has not been paid.
 Policyholder will have an option to further extend the benefit of
“Life Cover Continuance Benefit” if he pays premium with
applicable interest within one year from date of “First Unpaid
Premium.” On such payment, Life cover continuance benefit will
be applicable, for one year from the revised “Unpaid Premium”
date. You will also receive reversionary bonus, if any for the year
for which you paid the due premium.
 If you do not pay premium within 12 months from the date of “First
Unpaid Premium” then the policy will get converted to reduced
paid up policy.

9. Reviving your Lapsed Policy

You may revive the lapsed Policy within 5 years from the due date of
first unpaid regular premium but before the Maturity Date by:
[Link] a written request for revival of the lapsed Policy;
[Link] all unpaid due Premiums along with interest; and
[Link] a declaration of good health and undergoing a
medical examination at your own cost, if needed.
A lapsed Policy will only be revived along with all its benefits in
 PART E
12. Charges
This is a non-linked participating, limited pay, micro life insurance plan.
There are no charges applicable under this plan.
 viii. Self-attested copy of bank pass book of Nominee(s)/Claimant
along with cancelled cheque.

ix. Any other document or information that we may need for

PART F
13. Making a Claim validating and processing the claim
In order to process a claim under this Policy, we will need a written
intimation about the claim, upon the death of the Life Assured during Maturity Claim:
the Policy Term. This is the first step towards processing your claim.
The written intimation should also be accompanied with all the required i. Maturity Claim Intimation form duly filled and signed by
documents as mentioned below: claimant/ Policy Holder.

Death Claim: ii. Original Policy Document(s)

Incase of natural death iii. Self-Attested Copy of PAN Card of the Policy Holder/ Form
i. Proof of Age of the Life Assured, if the Age of the life assured no.60 if PAN is not available
has not been admitted by us.
ii. Claimant’s statement and claim intimation report duly filled and iv. Cancelled Cheque or Self Attested Copy of Pass book of the
Policy Holder.
signed by claimant/nominee.
iii. Death certificate issued under section 12/17 of registration of v. Self-Attested Copy of Address Proof (if change in Address).
Births and Deaths Act 1969 (only in case of death of the Life
Assured). vi. Duly filled and signed NRI Declaration form applicable only for
iv. All Hospitalization documents including discharge summary, NRIs.
Admission Notes and all investigation reports (only in case the
vii. Any other document or information that we may need for
Life Assured was treated for any illness related to the cause of
validating and processing the claim.
death).
v. Original Policy document. 14. Exclusions
vi. A self attested copy of Pan Card of Nominee/Claimant. In case
Nominee/Claimant does not have a pan card issued on his/her A. Suicide Exclusion
name then please submit duly filled and signed Form 60.
vii. Self-attested copy of photo-identity proof and address of the In case of death due to suicide within 12 months from the date of
commencement of risk under the policy or from the date of revival of
Nominee(s)/Claimant (e.g. driving license, PAN card, passport,
the policy, as applicable, the nominee or beneficiary of the policyholder
Voter ID card etc.) shall be entitled to at least 80% of the total premiums paid till the date
viii. Self-attested copy of bank pass book of Nominee(s)/Claimant of death or the surrender value available as on the date of death
along with cancelled cheque. whichever is higher, provided the policy is in force.
ix. Any other document or information that we may need for
validating and processing the claim B. Exclusions for Accidental Death Benefit

Incase of un natural death

Death due to the consequences of or occurring during the events as
i. Proof of Age of the Life Assured, if the Age of the life assured
specified below are not covered:
has not been admitted by us.
 Intentional self-inflicted injury, suicide or attempted suicide,
while sane or insane;
ii. Claimant’s statement and claim intimation report duly filled and
signed by claimant/nominee.  Insured person being under the influence of drugs, alcohol,
narcotics or psychotropic substances unless taken in
iii. Death certificate issued under section 12/17 of registration of accordance with the lawful directions and prescription of a
Births and Deaths Act 1969 (only in case of death of the Life registered medical practitioner;
Assured).
 War, invasion, act of foreign enemy, hostilities (whether war
be declared or not), civil war, mutiny, rebellion, terrorist act,
iv. Copies of Medico Legal Certificate, First Information Report, revolution, insurrection, military or usurped power, riot or civil
Panchnama, Inquest report and post mortem report (Only if commotion, strikes;
Death), duly attested by the police (only in case of Accident
leading to unnatural death or Permanent Disability of the Life  Participation in any flying activity, except as a bonafide
Assured). passenger in a commercially licensed aircraft;

 Participation by the insured person in a criminal or unlawful

v. Original Policy document.
act;

vi. A self attested copy of Pan Card of Nominee/Claimant. In case  Service in the armed forces, or any police organization, of
Nominee/Claimant does not have a pan card issued on his/her any country at war or service in any force of an international
name then please submit duly filled and signed Form 60. body;

 Engaging in or taking part in professional sport(s) or any

hazardous pursuits, including but not limited to, diving or
riding or any kind of race; underwater activities involving the
vii. Self-attested copy of photo-identity proof and address of the use of breathing apparatus or not; martial arts; hunting;
Nominee(s)/Claimant (e.g. driving license, PAN card, passport, mountaineering; parachuting; bungee-jumping;
Voter ID card etc.)
  Nuclear Contamination; the radioactive, explosive or (6) Where the nominee or if there are more nominees than
hazardous nature of nuclear fuel materials or property one, a nominee or nominees survive the person whose life
contaminated by nuclear fuel materials or accident arising is insured, the amount secured by the policy shall be
from such nature; payable to such survivor or survivors.

15. Nomination shall be governed as per section 39 of the (7) Subject to the other provisions of this section, where the
Insurance Act, 1938 as amended from time to time. holder of a policy of insurance on his own life nominates
(1) The holder of a policy of life insurance on his own life may, his parents, or his spouse, or his children, or his spouse
when effecting the policy or at any time before the policy and children, or any of them, the nominee or nominees
matures for payment, nominate the person or persons to shall be beneficially entitled to the amount payable by the
whom the money secured by the policy shall be paid in the insurer to him or them under sub-section (6) unless it is
event of his death: proved that the holder of the policy, having regard to the
Provided that, where any nominee is a minor, it shall be nature of his title to the policy, could not have conferred
lawful for the policyholder to appoint any person in the any such beneficial title on the nominee.
manner laid down by the insurer, to receive the money
secured by the policy in the event of his death during the (8) Subject as aforesaid, where the nominee, or if there are
minority of the nominee. more nominees than one, a nominee or nominees, to
whom sub-section (7) applies, die after the person whose
life is insured but before the amount secured by the policy
(2) Any such nomination in order to be effectual shall, unless is paid, the amount secured by the policy, or so much of
it is incorporated in the text of the policy itself, be made by the amount secured by the policy as represents the share
an endorsement on the policy communicated to the of the nominee or nominees so dying (as the case may
insurer and registered by him in the records relating to the be), shall be payable to the heirs or legal representatives
policy and any such nomination may at any time before of the nominee or nominees or the holder of a succession
the policy matures for payment be cancelled or changed certificate, as the case may be, and they shall be
by an endorsement or a further endorsement or a will, as beneficially entitled to such amount.
the case may be, but unless notice in writing of any such (9) Nothing in sub-sections (7) and (8) shall operate to
cancellation or change has been delivered to the insurer, destroy or impede the right of any creditor to be paid out
the insurer shall not be liable for any payment under the of the proceeds of any policy of life insurance.
policy made bona fide by him to a nominee mentioned in
the text of the policy or registered in records of the insurer. (10) The provisions of sub-sections (7) and (8) shall apply to
(3) The insurer shall furnish to the policyholder a written all policies of life insurance maturing for payment after the
acknowledgement of having registered a nomination or a commencement of the Insurance Laws (Amendment) Act, 2015.
cancellation or change thereof, and may charge such fee
as may be specified by regulations for registering such (11) Where a policyholder dies after the maturity of the policy
cancellation or change. but the proceeds and benefit of his policy has not been
made to him because of his death, in such a case, his
(4) A transfer or assignment of a policy made in accordance nominee shall be entitled to the proceeds and benefit of
with section 38 shall automatically cancel a nomination: his policy.
Provided that the assignment of a policy to the insurer
who bears the risk on the policy at the time of the (12) The provisions of this section shall not apply to any policy
assignment, in consideration of a loan granted by that of life insurance to which section 6 of the Married
insurer on the security of the policy within its surrender Women's Property Act, 1874, applies or has at any time
value, or its reassignment on repayment of the loan shall applied: Provided that where a nomination made whether
not cancel a nomination, but shall affect the rights of the before or after the commencement of the Insurance Laws
nominee only to the extent of the insurer's interest in the (Amendment) Act, 2015, in favour of the wife of the
policy: person who has insured his life or of his wife and children
Provided further that the transfer or assignment of a or any of them is expressed, whether or not on the face of
policy, whether wholly or in part, in consideration of a loan the policy, as being made under this section, the said
advanced by the transferee or assignee to the section 6 shall be deemed not to apply or not to have
policyholder, shall not cancel the nomination but shall applied to the policy.
affect the rights of the nominee only to the extent of the
interest of the transferee or assignee, as the case may be, 16. Assignment shall be governed as per section 38 of the
in the policy: Insurance Act, 1938 as amended from time to time.
Provided also that the nomination, which has been
automatically cancelled consequent upon the transfer or 1) A transfer or assignment of a policy of insurance, wholly or
assignment, the same nomination shall stand in part, whether with or without consideration, may be
automatically revived when the policy is reassigned by made only by an endorsement upon the policy itself or by a
the assignee or retransferred by the transferee in favour of separate instrument, signed in either case by the
the policyholder on repayment of loan other than on a transferor or by the assignor or his duly authorised agent
security of policy to the insurer. and attested by at least one witness, specifically setting
forth the fact of transfer or assignment and the reasons
(5) Where the policy matures for payment during the lifetime thereof, the antecedents of the assignee and the terms on
of the person whose life is insured or where the nominee which the assignment is made.
or, if there are more nominees than one, all the nominees
die before the policy matures for payment, the amount (1) An insurer may, accept the transfer or assignment, or
secured by the policy shall be payable to the policyholder decline to act upon any endorsement made under subsection
or his heirs or legal representatives or the holder of a
succession certificate, as the case may be.
(2), where it has sufficient reason to believe that hereunder, every assignment or transfer shall be deemed
such transfer or assignment is not bona fide or is not in the to be an absolute assignment or transfer and the assignee
interest of the policyholder or in public interest or is for the or transferee, as the case may be, shall be deemed to be
purpose of trading of insurance policy. the absolute assignee or transferee respectively.

(3) The insurer shall, before refusing to act upon the endorsement, (9) Any rights and remedies of an assignee or transferee of a policy of
record in writing the reasons for such life insurance under an assignment or transfer
refusal and communicate the same to the policyholder not effected prior to the commencement of the Insurance
later than thirty days from the date of the policyholder Laws (Amendment) Act, 2015 shall not be affected by the
giving notice of such transfer or assignment. provisions of this section.

(4) Any person aggrieved by the decision of an insurer to (10) Notwithstanding any law or custom having the force of
decline to act upon such transfer or assignment may law to the contrary, an assignment in favour of a person
within a period of thirty days from the date of receipt of the made upon the condition that—
communication from the insurer containing reasons for
such refusal, prefer a claim to the Authority. (a) the proceeds under the policy shall become payable to the
policyholder or the nominee or nominees in the event of
(5) Subject to the provisions in sub-section (2), the transfer or either the assignee or transferee predeceasing the
assignment shall be complete and effectual upon the insured; or
execution of such endorsement or instrument duly
attested but except, where the transfer or assignment is in (b) the insured surviving the term of the policy, shall be valid:
favour of the insurer, shall not be operative as against an Provided that a conditional assignee shall not be entitled to
insurer, and shall not confer upon the transferee or obtain a loan on the policy or surrender a policy.
assignee, or his legal representative, any right to sue for
the amount of such policy or the moneys secured thereby
until a notice in writing of the transfer or assignment and (11) In the case of the partial assignment or transfer of a policy
either the said endorsement or instrument itself or a copy of insurance under sub-section (1), the liability of the
thereof certified to be correct by both transferor and insurer shall be limited to the amount secured by partial
transferee or their duly authorised agents have been assignment or transfer and such policyholder shall not be
delivered to the insurer: Provided that where the insurer maintains entitled to further assign or transfer the residual amount
one or more places of business in India, such notice shall be payable under the same policy.
delivered only at the place where the policy is being serviced.
17. Policy Ceases/ Ends/ Terminates
(6) The date on which the notice referred to in sub-section (5) is
delivered to the insurer shall regulate the priority of all This Policy will cease immediately and automatically on the happening
claims under a transfer or assignment as between persons of the earliest of any of the following:
interested in the policy; and where there is more than one
instrument of transfer or assignment the priority of the i. on the date of payment of the claim benefit; or
claims under such instruments shall be governed by the
order in which the notices referred to in sub-section (5) ii. on the date of intimation of rejection of claim by us; or
are delivered:
Provided that if any dispute as to priority of payment arises iii. on the payment of Maturity benefit; or
as between assignees, the dispute shall be referred to the
Authority. iv. on the date of payment of Surrender Value; or

(7) Upon the receipt of the notice referred to in sub-section (5), v. on the date of payment of free look cancellation amount; or
the insurer shall record the fact of such transfer or
assignment together with the date thereof and the name vi. on the expiry of the revival period provided we have not received
of the transferee or the assignee and shall, on the request the due unpaid regular Premiums along with interest from you till
of the person by whom the notice was given, or of the the expiry of such period and policy is not acquire any paid-up
transferee or assignee, on payment of such fee as may be value
specified by the regulations, grant a written
acknowledgement of the receipt of such notice; and any 18. Change of Address
such acknowledgement shall be conclusive evidence
against the insurer that he has duly received the notice to You are required to inform us in writing, about any change in your/
which such acknowledgement relates. Nominee(s)’s address with address proof. This will ensure that our
correspondence reaches you/ the Nominee(s) without any delay. We
(8) Subject to the terms and conditions of the transfer or will not be liable on account of your failure to up-date your current
assignment, the insurer shall, from the date of the receipt address in our records or registering an address with us which is
of the notice referred to in sub-section (5), recognize the incorrect.
transferee or assignee named in the notice as the absolute
transferee or assignee entitled to benefit under the policy, 19. Disclosures
and such person shall be subject to all liabilities and
equities to which the transferor or assignor was subject at Fraud/ Misstatement would be dealt with in accordance with
the date of the transfer or assignment and may institute provisions of Section 45 of the Insurance Act 1938, as amended from
any proceedings in relation to the policy, obtain a loan time to time.
under the policy or surrender the policy without obtaining 1) No policy of life insurance shall be called in question on any
the consent of the transferor or assignor or making him a ground whatsoever after the expiry of three years from the
party to such proceedings. date of the policy, i.e., from the date of issuance of the
Explanation- Except where the endorsement referred to in subsection policy or the date of commencement of risk or the date of
(1) expressly indicates that the assignment or revival of the policy or the date of the rider to the policy,
transfer is conditional in terms of subsection (10) whichever is later.
2) A policy of life insurance may be called in question at any 23. Turn Around Time for various servicing request and claims
time within three years from the date of issuance of the policy or the processing are as mentioned below:
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 Policy Servicing TAT's
fraud: Provided that the insurer shall have to communicate in writing Full Surrender 15 Days
to the insured or the legal representatives or nominees or assignees Freelook Cancellation 15 Days
of the insured the grounds and materials on which such decision is Request for Refund of Proposal Deposit 15 days
based. Refund of outstanding proposal deposit 15 days
Maturity/Survival/Death Claims
3) Notwithstanding anything contained in sub-section (2), no Processing of Maturity claim / penal interest not paid Due Date
insurer shall repudiate a life insurance policy on the ground of fraud if Raising claim requirements after lodging the Death
the insured can prove that the mis-statement of or suppression of a
claim 15 Days
material fact was true to the best of his knowledge and belief or that
Death claim decision without investigation
there was no deliberate intention to suppress the fact or that such
requirement 30 Days
mis-statement of or suppression of a material fact are within the
Death claim decision with Investigation requirement 120 Days
knowledge of the insurer: Provided that in case of fraud, the onus of
disproving lies upon the beneficiaries, in case the policyholder is not
alive.
PART G

4) A policy of life insurance may be called in question at any 24. Grievance Redressal
time within three years from the date of issuance of the policy or the You may contact us in case of any grievance at any of our branches or
date of commencement of risk or the date of revival of the policy or at Customer Care, IndiaFirst Life Insurance Company Ltd, 12th & 13th
the date of the rider to the policy, whichever is later, on the ground floor, North [C] Wing, Tower 4, Nesco IT Park, Nesco Center, Western
that any statement of or suppression of a fact material to the Express Highway, Goregaon (East), Mumbai – 400 063, Contact No.:
expectancy of the life of the insured was incorrectly made in the 1800 209 8700, Email id: [Link]@[Link].
proposal or other document on the basis of which the policy was
issued or revived or rider issued: Provided that the insurer shall have
to communicate in writing to the insured or the legal representatives a. A written communication giving reasons of either redressing or
or nominees or assignees of the insured the grounds and materials rejecting the grievance will be sent to you within 15 (Fifteen) days
on which such decision to repudiate the policy of life insurance is from the date of receipt of the grievance. In case We don’t receive
based: Provided further that in case of repudiation of the policy on the a revert from You within 8 weeks from the date of Your receipt of
ground of misstatement or suppression of a material fact, and not on Our response, We will treat the complaint as closed.
the ground of fraud, the premiums collected on the policy till the date
of repudiation shall be paid to the insured or the legal representatives b. However, if you are not satisfied with our resolution provided or
or nominees or assignees of the insured within a period of ninety days have not received any response within 15 (Fifteen) days, then, you
from the date of such repudiation. may approach our Grievance Officer at any of our branches or you
may write to our Grievance Redressal Officer at
5) Nothing in this section shall prevent the insurer from calling for [Link]@[Link].
proof of age at any time if he is entitled to do so, and no policy shall An acknowledgment to all such grievances received will be sent
be deemed to be called in question merely because the terms of the within 3 (Three) working days of receipt of the grievance.
policy are adjusted on subsequent proof that the age of the Life
Insured was incorrectly stated in the proposal. c. If you are not satisfied with the response or do not receive a
response from us within 15 days, you may approach the Grievance
20. Right to Revise/ Delete/ Alter the Terms and Conditions of this Cell of the Insurance Regulatory and Development Authority of
Policy India (IRDAI) on the following contact details:
We may revise, delete and/ or alter any of the terms and conditions of
this Policy, by sending a prior written notice of 30 (Thirty) days, with IRDAI Grievance Call Centre (IGCC) TOLL FREE NO: 155255
prior approval of IRDAI. Email ID: complaints@[Link]

You can also register your complaint online at

21. Force Majeure [Link]

If due to any act of God or State, strike, lock out, legislation or restriction Address for communication for complaints by fax/paper:
by any government or any other authority or any other circumstances Consumer Affairs Department,
which are beyond our control and restricts our performance under this Insurance Regulatory and Development Authority of India,
Policy, this Policy will be wholly or partially suspended only for such Sy. No. 115/1, Financial District, Nanakramguda
period. Gachibowli, Hyderabad, Telangana- 500032
IRDAI TOLL FREE NO: 18004254732
22. Governing Law and Jurisdiction

All claims, disputes or differences under this Policy will be governed by

Indian laws and shall be subject to the jurisdiction of Indian Courts.
 or the terms and conditions of the policy contract, in so far as they relate
Insurance Ombudsman to issues mentioned in clauses above.
In case you are dissatisfied with the decision/resolution of the
Company, you may approach the Insurance Ombudsman located The complaint should be made in writing and the same should be duly
nearest to you (please refer to the List of Ombudsmen or visit our signed by the complainant or by his legal heir(s), nominee(s) or
website [Link]) if your grievance pertains to : assignee with full details of the complaint and the contact information
 Delay in settlement of claims, beyond the time specified in the of the complainant.
regulations, framed under the Insurance Regulatory and
Development Authority Act, 1999; As per provision 14 of the Insurance Ombudsman Rules, 2017, the
 any partial or total repudiation of claims by the life insurer, complaint to the Ombudsman can be made by you or the complainant,
within a period of 1 (One) year from the date of rejection of the
general insurer or health insurer; grievance by Us or after receipt of decision which is not to your
 disputes over premium paid or payable in terms of insurance satisfaction or after expiry of one month from the date of sending
policy; representation to Us if We fail to furnish reply to You provided the same
 misrepresentation of policy terms and conditions at any time in dispute is not already decided by or pending before or disposed of by
the policy document or policy contract; any court or consumer forum or arbitrator.
 legal construction of insurance policies in so far as the dispute
Disclaimers
relates to claim;
 policy servicing related grievances against insurers and their Applicable taxes levied as per extant tax laws shall be deducted from
agents and intermediaries; the premium or from the allotted units as applicable.
 issuance of life insurance policy, general insurance policy
including health insurance policy which is not in conformity with IndiaFirst Life Insurance Company Limited, IRDAI Regn No.143, CIN:
the proposal form submitted by the proposer; U66010MH2008PLC183679, Address: 12th & 13th floor, North [C]
 non issuance of insurance policy after receipt of premium in life Wing, Tower 4, Nesco IT Park, Nesco Center, Western Express
insurance and general insurance including health insurance; and
Highway, Goregaon (East), Mumbai – 400 063. [Link],
SMS <LIFE> to 5667735 SMS Charges apply. Toll free No – 1800 209
any other matter resulting from the violation of provisions of the
Insurance Act, 1938 as amended from time to time or the regulations, 8700. Trade logo of promoters displayed above belongs to M/s Bank
circulars, guidelines or instructions issued by IRDAI from time to time of Baroda and M/s Andhra Bank and used by IndiaFirst Life Insurance
Co. Ltd. under license.
Annexure I: Guaranteed Surrender Value Factors applicable for Total Premiums Paid and Total Accrued Bonus

GSV as % of Total Accrued Bonus

GSV as % of Total Premium Paid*

Year of Surrender / Policy Term 10 15 Year of Surrender / Policy Term 10 15

1 30% 30% 1 3% 2%

2 30% 30% 2 5% 4%

3 35% 35% 3 8% 5%

4 50% 50% 4 11% 7%

5 50% 50% 5 14% 9%

6 50% 50% 6 17% 11%

7 50% 50% 7 20% 13%

8 70% 56% 8 23% 15%

9 90% 61% 9 27% 17%

10 90% 67% 10 30% 19%

11 NA 73% 11 NA 21%

12 NA 79% 12 NA 23%

13 NA 84% 13 NA 26%

14 NA 90% 14 NA 28%

15 NA 90% 15 NA 30%

* Total Premium is exclusive of extra premium, if any and applicable taxes

 List of Ombudsmen
Office of the Insurance Ombudsman - Ahmedabad Office of the Insurance Ombudsman – Bhopal
Jeevan Prakash Building , 06th Floor, Tilak Marg, Relief Road, Janak Vihar Complex, 2nd Floor, 6, Malviya Nagar, Opp. Airtel
AHMEDABAD- 380001 Tel. 079- 25501201/02/05/06 Office, Near New Market,
Email: [Link]@[Link] BHOPAL – 462 [Link].: 0755 - 2769201 / 2769202 Fax: 0755 -
Area of Jurisdiction - Gujarat, Dadra & Nagar Haveli, Daman and 2769203
Diu Email: [Link]@[Link]
Area of Jurisdiction - Madhya Pradesh & Chhattisgarh
Office of the Insurance Ombudsman - Bhubaneshwar Office of the Insurance Ombudsman – Chandigarh
62, Forest Park, S.C.O. No. 101, 102 & 103, 2nd Floor, Batra Building, Sector 17 –
BHUBNESHWAR – 751 009. Tel.: 0674 - 2596461 /2596455 Fax: D,
0674 – 2596429 Email: [Link]@[Link] CHANDIGARH – 160 017. Tel.: 0172 - 2706196 / 2706468 Fax:
Area of Jurisdiction - Odisha 0172 – 2708274 Email: [Link]@[Link]
Area of Jurisdiction - Punjab, Haryana, Himachal Pradesh,
Jammu & Kashmir, Chandigarh
Office of the Insurance Ombudsman - Chennai Office of the Insurance Ombudsman – New Delhi
Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, 2/2 A, Universal Insurance Building, Asaf Ali Road,
CHENNAI – 600 018. Tel.: 044 - 24333668 / 24335284 Fax: 044 - NEW DELHI – 110 002. Tel.: 011 - 23239633 / 23237532 Fax: 011
24333664 – 23230858 Email: [Link]@[Link]
Email: [Link]@[Link] Area of Jurisdiction – Delhi
Area of Jurisdiction - Tamil Nadu, –Pondicherry Town and Karaikal
(which are part of Pondicherry)
Office of the Insurance Ombudsman - Guwahati Office of the Insurance Ombudsman – Hyderabad
Jeevan Nivesh, 5th Floor, Nr. Panbazar over bridge, S.S. Road, 6-2-46, 1st floor, "Moin Court", Lane Opp. Saleem Function
GUWAHATI – 781001 (ASSAM). Tel.: 0361 - 2132204 / 2132205 Palace, A. C. Guards, Lakdi-Ka-Pool,
Fax: 0361 – 2732937 Email: [Link]@[Link] HYDERABAD - 500 004. Tel.: 040 - 65504123 / 23312122
Area of Jurisdiction - Assam, Meghalaya, Manipur, Mizoram, Fax: 040 – 23376599 Email: [Link]@[Link]
Arunachal Pradesh,Nagaland and Tripura Area of Jurisdiction - Andhra Pradesh, Telangana,
Yanam and part of Territory of Pondicherry
Office of the Insurance Ombudsman - Ernakulam Office of the Insurance Ombudsman – Kolkata
2nd Floor, Pulinat Bldg., Opp. Cochin Shipyard, M. G. Road, Hindustan Bldg. Annexe, 4th Floor, 4, C.R. Avenue,
ERNAKULAM - 682 015. Tel.: 0484 - 2358759 / 2359338 KOLKATA - 700 072. Tel.: 033 - 22124339 / 22124340
Fax: 0484 – 2359336 Email: [Link]@[Link] Fax : 033 – 22124341 Email: [Link]@[Link]
Area of Jurisdiciton - Kerala, Lakshadweep, Mahe – a part of Area of Jurisdiction - West Bengal, Sikkim, Andaman & Nicobar
Pondicherry Islands
Office of the Insurance Ombudsman - Lucknow Office of the Insurance Ombudsman – Noida
6th Floor, Jeevan Bhawan, Phase-II, Bhagwan Sahai Palace, 4th Floor, Main Road,
Nawal Kishore Road, Hazratganj, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar,
LUCKNOW - 226 001. Tel.: 0522 - 2231330 / 2231331 UTTAR PRADESH (U.P.) - 201301. Tel.: 0120-2514250 / 2514252
Fax: 0522 – 2231310 Email: [Link]@[Link] / 2514253 Email: [Link]@[Link]
Area of Jurisdiction - Districts of Uttar Pradesh : Laitpur, Jhansi, Area of Jurisdiction - State of Uttaranchal and the following
Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor,
Sonbhabdra, Fatehpur, Budaun, Bulandshehar, Etah, Kanooj, Mainpuri, Mathura, Meerut,
Pratapgarh, Jaunpur,Varanasi,Gazipur, Jalaun, Kanpur, Lucknow, Moradabad,
Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli,Sravasti, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad,
Gonda, Faizabad, Amethi,Kaushambi, Balrampur, Basti, Gautam Buddh Nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur,
Ambedkarnagar, Sultanpur,Maharajgang, Santkabirnagar, Shamli, Rampur, Kashganj,Sambhal, Amroha, Hathras,
Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Kanshiramnagar, Saharanpur
Chandauli, Ballia, Sidharathnagar
Office of the Insurance Ombudsman - Jaipur Office of the Insurance Ombudsman – Pune
Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jeevan Darshan Bldg., 3rd Floor, C.T.S. Nos. 195 to 198,
JAIPUR - 302 005. Tel.: 0141 - 2740363 N.C. Kelkar Road, Narayan Peth, PUNE – 411 030.
Email: [Link]@[Link] Tel.: 020-41312555 Email: [Link]@[Link]
Area of Jurisdiction – Rajasthan Area of Jurisdiction - Maharashtra, Area of Navi Mumbai and
Thane excluding Mumbai Metropolitan Region
Office of the Insurance Ombudsman - Bengaluru Office of the Insurance Ombudsman – Mumbai
Jeevan Soudha Building, PID No. 57-27-N-19 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W),
Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, MUMBAI - 400 054. Tel.: 022 - 26106552 / 26106960 Fax: 022 -
BENGALURU – 560 078. Tel.: 080 - 26652048 / 26652049 26106052
Email: [Link]@[Link] Email: [Link]@[Link]
Area of Jurisdiction – Karnataka Area of Jurisdiction – Goa, Mumbai Metropolitan Region excluding
Navi Mumbai & Thane
Office of the Insurance Ombudsman – Patna
st
1 Floor, Kalpana Arcade Building,
Bazar Samiti Road, Bahadurpur,
PATNA – 800006 Tel No: 0612-2680952
Email id : [Link]@[Link].
Area of Jurisdiction - Bihar, Jharkhand
Because life is full
of certainties.
Customer Care
1800-209-8700
customer.first@indiafi[Link]