Fraud and Misrepresentation. As per the provisions of Section 45 of the Insurance Act, 1938 and amended from time to time. For more details on Section 45 of the Insurance Act, 1938 please refer to Xxxxxxxx X. Grievance or Complaint You may register your grievance or complaint with our Head Customer Response & Resolution at Customer Care Unit / Xxxxxx Xxxxx Sun Life Insurance Company Ltd. (Formerly Birla Sun Life Insurance Company Ltd.)/ One Indiabulls Centre, Tower 0, 00xx Xxxxx, Xxxxxxx Xxxx Xxxxxxxx, 000, Xxxxxxxx Xxxxx Xxxx, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. 0-000-000-0000 or email: xxxx.xxxxxxxxxxxxx@xxxxxxxxxxxxxxxxxx.xxx. In case you are dissatisfied with the decision of the above office or have not received any response with 10 days, you may contact Head Service Assurance at Customer Care Unit / Xxxxxx Xxxxx Sun Life Insurance Company Ltd. (Formerly Birla Sun Life Insurance Company Ltd.) / One Indiabulls Centre, Tower 0, 00xx Xxxxx, Xxxxxxx Xxxx Xxxxxxxx, 000, Xxxxxxxx Xxxxx Xxxx, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. 1-800-270- 7000 or email: xxxxxxxxx.xxxxxxxxxxxxx@xxxxxxxxxxxxxxxxxx.xxx The complaint should be made in writing duly signed or through email by the Complainant or by his/her legal heirs with full details of the complaint and the contact information of complainant. SAMPLE If you are not satisfied with the response or do not receive a response from us within 15 days, You may approach the Grievance Cell of the Insurance Regulatory and Development Authority of India (IRDAI) on the following contact details: IRDAI Grievance Call Centre (IGCC) TOLL FREE NO: 155255 Email ID: xxxxxxxxxx@xxxx.xxx.xx You can also register your complaint online at xxxx://xxx.xxxx.xxxx.xxx.xx/ Address for communication for complaints by fax/paper: Consumer Affairs Department, Insurance Regulatory and Development Authority of India, 4th Floor, Sy Xx. 000/0, Xxxxxxxxx Xxxxxxxx, Xxxxxxxxxxxx,Xxxxxxxxxx, Xxxxxxxxx – 000000 Ph: (000) 00000000
Appears in 1 contract
Samples: General
Fraud and Misrepresentation. As per the provisions of Section 45 of the Insurance Act, 1938 and as amended from time to time. For more details on Section 45 of the Insurance Act, 1938 please refer to Xxxxxxxx X. Grievance or Complaint You may register your grievance or complaint with our Head Customer Response & Resolution at Customer Care Unit / Xxxxxx Xxxxx Birla Sun Life Insurance Company Ltd. (Formerly Birla Sun Life Insurance Company Ltd.)/ / One Indiabulls Centre, Tower 0, 00xx Xxxxx, Xxxxxxx Xxxx Xxxxxxxx, 000, Xxxxxxxx Xxxxx Xxxx, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. 0-000-000-0000 or email: xxxx.xxxxxxxxxxxxx@xxxxxxxxxxxxxxxxxx.xxxxxxxxxxxxxxxxxx@xxxxxxxxxxxx.xxx. In case you are dissatisfied with the decision of the above office or have not received any response with 10 days, you may contact Head Service Assurance at Customer Care Unit / Xxxxxx Xxxxx Birla Sun Life Insurance Company Ltd. (Formerly Birla Sun Life Insurance Company Ltd.) / One Indiabulls Centre, Tower 0, 00xx Xxxxx, Xxxxxxx Xxxx Xxxxxxxx, 000, Xxxxxxxx Xxxxx Xxxx, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. 10-800000-270- 7000 000-0000 or email: xxxxxxxxx.xxxxxxxxxxxxx@xxxxxxxxxxxxxxxxxx.xxx xxxxxxxxxx@xxxxxxxxxxxx.xxx. The complaint should be made in writing duly signed or through email by the Complainant complainant or by his/her legal heirs with full details of the complaint and the contact information of complainant. SAMPLE If you are not satisfied with the response or do not receive a response from us within 15 days, You you may approach the Grievance Cell of the Insurance Regulatory and Development Authority of India (IRDAI) on the following contact details: IRDAI Grievance Call Centre (IGCC) TOLL FREE NO: 155255 Email ID: xxxxxxxxxx@xxxx.xxx.xx You can also register your complaint online at xxxx://xxx.xxxx.xxxx.xxx.xx/ Address for communication for complaints by fax/paper: Consumer Affairs Department, Insurance Regulatory and Development Authority of India, 9th floor, United India Towers, Basheerbagh, Hyderabad – 500 029, Andhra Pradesh Fax No: 91- 40 – 0000 0000 Insurance Ombudsman In case you are dissatisfied with the decision/resolution of the Company, you may approach the Insurance Ombudsman located nearest to you (please refer to Appendix I or visit our website xxx.xxxxxxxxx.xxxxxxxxxxxx.xxx) if your grievance pertains to: − insurance claim that has been rejected or dispute of a claim on legal construction of the policy; − delay in claim settlement; − dispute with regard to premium; or − non-receipt of your policy document. As per provision 13(3) of the Redressal of Public Grievances Rules 1998, the complaint to the Ombudsman can be made: − only if the grievance has been rejected by the grievance redressal machinery of the insurer; − within a period of one year from the date of rejection by the insurer; and − if it is not simultaneously under any litigation. Risk Factors / Disclaimers This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI) and is a traditional participating life insurance plan. All terms & conditions are guaranteed throughout the policy term, except for the bonuses which will vary from policy year to policy year depending on prevailing economic conditions. BSLI reserves the right to recover levies such as the service tax levied by the authorities on insurance transactions. If there be any additional levies, they too will be recovered from you. NOTWITHSTANDING ANYTHING CONTAINED IN THIS POLICY DOCUMENT, THE PROVISIONS HEREIN SHALL STAND ALTERED, AMENDED, MODIFIED OR SUPERCEDED TO SUCH EXTENT AND IN SUCH MANNER AS MAY BE REQUIRED BY ANY CHANGE IN THE APPLICABLE LAW (INCLUDING BUT NOT LIMITED TO ANY REGULATIONS MADE OR DIRECTIONS / INSTRUCTIONS OR GUIDELINES ISSUED BY THE IRDA OF INDIA) OR ANY OTHER COMPETENT AUTHORITY OR AS MAY BE NECESSARY UNDER A JUDGEMENT OR ORDER /DIRECTION/ INSTRUCTION OF A COURT OF LAW. List of Ombudsman Office of the Ombudsman Contact Details Areas of Jurisdiction AHMEDABAD Office of the Insurance Ombudsman, 2nd floor, Xxxxxx House, Near C.U. Shah College, 0, Xxxxxx Xxxxxx, Xxxxxx Xxxx, Ahmedabad – 380 014. Tel. : 079 - 00000000 / 00000000 Fax : 079 - 27546142 Email : xxxxxxxxxx.xxxxxxxxx@xxxx.xx.xx Gujarat, Dadra & Nagar Haveli, Daman and Diu BENGALURU Office of the Insurance Ombudsman, Xxxxxx Xxxxxx Building,PID No. 00-00-X-00 Xxxxxx Xxxxx, 00/00, 00xx Xxxx Xxxx, XX Xxxxx, Xxx Xxxxx, Xxxxxxxxx – 560 078. Tel. : 080 - 00000000 / 26652049 Email : xxxxxxxxxx.xxxxxxxxx@xxxx.xx.xx Karnataka BHOPAL Office of the Insurance Ombudsman, Xxxxx Vihar Complex, 2nd Floor, 0, Xxxxxxx Xxxxx, Opp. Airtel Office, Near New Market, Bhopal – 462 003. Tel. : 0755 - 0000000 / 0000000 Fax : 0755 - 2769203 Email : xxxxxxxxxx.xxxxxx@xxxx.xx.xx Madhya Pradesh Chattisgarh BHUBANESHWAR Office of the Insurance Ombudsman, 00, Xxxxxx xxxx, Xxxxxxxxxxx – 751 009. Tel. : 0674 - 0000000 /0000000 Fax : 0674 - 0000000 Emai : xxxxxxxxxx.xxxxxxxxxxx@xxxx.xx.xx Orissa CHANDIGARH Office of the Insurance Ombudsman, S.C.O. Xx. 000, 000 & 000, 0xx Xxxxx, Xxxxx Xxxxxxxx, Xxxxxx 00 – X, Xxxxxxxxxx – 160 017 Tel. : 0172 - 0000000 / 0000000 Fax : 0172 - 2708274 Email : xxxxxxxxxx.xxxxxxxxxx@xxxx.xx.xx Punjab, Haryana, Himachal Pradesh, Jammu & Kashmir, Chandigarh CHENNAI Office of the Insurance Ombudsman, Xxxxxx Xxxxxx Court, 4th Floor, Sy Xx000, Xxxx Xxxxx, Xxxxxxxxx, XXXXXXX – 600 018 Tel. 000/0: 044 - 00000000 / 00000000 Fax : 044 - 24333664 Email : xxxxxxxxxx.xxxxxxx@xxxx.xx.xx Tamil Nadu, Xxxxxxxxx XxxxxxxxPondicherry Town and Karaikal (which are part of Pondicherry) DELHI Office of the Insurance Ombudsman, Xxxxxxxxxxxx,Xxxxxxxxxx2/2 A, Xxxxxxxxx Universal Insurance Building, Xxxx Xxx Road, New Delhi – 000000 Ph110 002. Tel. : 011 - 00000000 / 00000000 Fax : 011 - 23230858 Email : xxxxxxxxxx.xxxxx@xxxx.xx.xx Delhi GUWAHATI Office of the Insurance Ombudsman, Xxxxxx Xxxxxx, 5th Floor, Nr. Panbazar over bridge, S.S. Road, Guwahati – 781001(ASSAM). Tel. : 0361 - 0000000 / 0000000 Fax : 0361 - 2732937 Email : xxxxxxxxxx.xxxxxxxx@xxxx.xx.xx Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura HYDERABAD Office of the Insurance Ombudsman, 6-2-46, 1st floor, "Moin Court", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel. : 040 - 00000000 / 00000000 Fax : 040 - 23376599 Email : xxxxxxxxxx.xxxxxxxxx@xxxx.xx.xx Andhra Pradesh, Telangana, Yanam and part of Territory of Pondicherry JAIPUR Office of the Insurance Ombudsman, Xxxxxx Xxxxx – II Bldg., Gr. Floor, Xxxxxxx Xxxxx Xxxx, Jaipur - 302 005. Tel. : 0141 - 2740363 Email : Xxxxxxxxxx.xxxxxx@xxxx.xx.xx Rajasthan ERNAKULAM Office of the Insurance Ombudsman, 2nd Floor, Pulinat Bldg., Opp. Cochin Shipyard, M. G. Road, Ernakulam - 682 015. Tel. : 0484 - 0000000 / 0000000 Fax : 0484 - 2359336 Email : xxxxxxxxxx.xxxxxxxxx@xxxx.xx.xx Kerala, Lakshadweep, Mahe-a part of Pondicherry KOLKATA Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 4th Floor, 4, C.R. Avenue, KOLKATA - 700 072. Tel. : 033 - 00000000 / 00000000 Fax : 033 - 22124341 Email : xxxxxxxxxx.xxxxxxx@xxxx.xx.xx West Bengal, Bihar, Sikkim, Jharkhand, Andaman & Nicobar Islands LUCKNOW Office of the Insurance Ombudsman, 6th Floor, Xxxxxx Xxxxxx, Phase-II, Xxxxx Kishore Road, Hazratganj, Lucknow - 226 001. Tel. : 0522 - 0000000 / 0000000 Fax : 0522 - 2231310 Email : xxxxxxxxxx.xxxxxxx@xxxx.xx.xx Districts of Uttar Pradesh : Laitpur, 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 MUMBAI Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (000W), Mumbai - 400 054. Tel. : 022 - 00000000 / 00000000 Fax : 022 - 26106052 Email : xxxxxxxxxx.xxxxxx@xxxx.xx.xx Goa, Mumbai Metropolitan Region excluding Navi Mumbai & Thane NOIDA Office of the Insurance Ombudsman, Email : xxxxxxxxxx.xxxxx@xxxx.xx.xx State of Uttaranchal and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Etah, Bulandshehar, Kanooj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautambodhanagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur PUNE Office of the Insurance Ombudsman, Xxxxxx Xxxxxxx Xxxx., 2nd Floor, C.T.S. No.s. 195 to 198, N.C. Xxxxxx Road, Xxxxxxx Xxxx, Pune – 411 030 Tel. : 020 - 32341320 Email : xxxxxxxxxx.xxxx@xxxx.xx.xx Maharashtra, Area of Navi Mumbai and Thane excluding Mumbai Metropolitan Region Annexure I Enhanced Guaranteed Survival Benefit: . If the policyholder opts to defer the receipt of the Guaranteed Survival Benefit to subsequent due dates, he/she will get enhanced % of sum assured as Guaranteed Survival Benefit depending upon the subsequent due date, he/she chooses to receive the benefit. Option 10 PPT/20 term Year when Guaranteed Survival Benefit is due Guaranteed Survival Benefit (% of SA) 00000000Year till the Guaranteed Survival Benefit is deferred/Enhanced Guaranteed Survival Benefit (% of SA) 4th 8th 12th 16th 20th 4th 10% 10% 12% 15% 19% 23% 8th 15% 15% 18% 23% 28% 12th 20% 20% 24% 30% 16th 25% 25% 30% 20th 30% 30% Option 12 PPT/24 term Year when Guaranteed Survival Benefit is due Guaranteed Survival Benefit (% of SA) Year till the Guaranteed Survival Benefit is deferred/ Enhanced Guaranteed Survival Benefit (% of SA) 4th 8th 12th 16th 20th 24th 4th 10% 10% 12% 15% 19% 23% 29% 8th 15% 15% 18% 23% 28% 35% 12th 20% 20% 24% 30% 37% 16th 25% 25% 30% 37% 20th 30% 30% 37% 24th 35% 35% Option 10 PPT/20 term Year when Guaranteed Survival Benefit is due Guaranteed Survival Benefit (% of SA) Year till the Guaranteed Survival Benefit is deferred/ Enhanced Guaranteed Survival Benefit (% of SA) 5th 10th 15th 20th 5th 15% 15% 20% 25% 33% 10th 20% 20% 25% 33% 15th 25% 25% 33% 20th 40% 40% Option 12 PPT/25 term Year when Guaranteed Survival Benefit is due Guaranteed Survival Benefit (% of SA) Year till the Guaranteed Survival Benefit is deferred/ Enhanced Guaranteed Survival Benefit (% of SA) 5th 10th 15th 20th 25th 5th 15% 15% 20% 25% 33% 43% 10th 20% 20% 25% 33% 43% 15th 25% 25% 33% 43% 20th 30% 30% 39% 25th 45% 45% ANNEXURE A
Appears in 1 contract
Samples: General
Fraud and Misrepresentation. As per the provisions of Section 45 of the Insurance Act, 1938 and as amended from time to time. For more details on Section 45 of the Insurance Act, 1938 please refer to Xxxxxxxx X. Grievance or Complaint You may register your grievance or complaint with our Head Customer Response & Resolution at Customer Care Unit / Xxxxxx Xxxxx Birla Sun Life Insurance Company Ltd. (Formerly Birla Sun Life Insurance Company Ltd.)/ / One Indiabulls Centre, Tower 0, 00xx Xxxxx, Xxxxxxx Xxxx Xxxxxxxx, 000, Xxxxxxxx Xxxxx Xxxx, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. 0-000-000-0000 or email: xxxx.xxxxxxxxxxxxx@xxxxxxxxxxxxxxxxxx.xxxxxxxxxxxxxxxxxx@xxxxxxxxxxxx.xxx. In case you are dissatisfied with the decision of the above office or have not received any response with 10 days, you may contact Head Service Assurance at Customer Care Unit / Xxxxxx Xxxxx Birla Sun Life Insurance Company Ltd. (Formerly Birla Sun Life Insurance Company Ltd.) / One Indiabulls Centre, Tower 0, 00xx Xxxxx, Xxxxxxx Xxxx Xxxxxxxx, 000, Xxxxxxxx Xxxxx Xxxx, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. 10-800000-270- 7000 000-0000 or email: xxxxxxxxx.xxxxxxxxxxxxx@xxxxxxxxxxxxxxxxxx.xxx xxxxxxxxxx@xxxxxxxxxxxx.xxx. The complaint should be made in writing duly signed or through email by the Complainant complainant or by his/her legal heirs with full details of the complaint and the contact information of complainant. SAMPLE If you are not satisfied with the response or do not receive a response from us within 15 days, You you may approach the Grievance Cell of the Insurance Regulatory and Development Authority of India (IRDAI) on the following contact details: IRDAI Grievance Call Centre (IGCC) TOLL FREE NO: 155255 Email ID: xxxxxxxxxx@xxxx.xxx.xx You can also register your complaint online at xxxx://xxx.xxxx.xxxx.xxx.xx/ Address for communication for complaints by fax/paper: Consumer Affairs Department, Insurance Regulatory and Development Authority of India, 9th floor, United India Towers, Basheerbagh, Hyderabad – 500 029, Andhra Pradesh Fax No: 91- 40 – 0000 0000 Insurance Ombudsman In case you are dissatisfied with the decision/resolution of the Company, you may approach the Insurance Ombudsman located nearest to you (please refer to Appendix I or visit our website xxx.xxxxxxxxx.xxxxxxxxxxxx.xxx) if your grievance pertains to: − insurance claim that has been rejected or dispute of a claim on legal construction of the policy; − delay in claim settlement; − dispute with regard to premium; or − non-receipt of your policy document. As per provision 13(3) of the Redressal of Public Grievances Rules 1998, the complaint to the Ombudsman can be made: − only if the grievance has been rejected by the grievance redressal machinery of the insurer; − within a period of one year from the date of rejection by the insurer; and − if it is not simultaneously under any litigation. Risk Factors / Disclaimers This policy is underwritten by Birla Sun Life Insurance Company Limited (BSLI) and is a traditional participating life insurance plan. All terms & conditions are guaranteed throughout the policy term, except for the bonuses which will vary from policy year to policy year depending on prevailing economic conditions. BSLI reserves the right to recover levies such as the service tax levied by the authorities on insurance transactions. If there be any additional levies, they too will be recovered from you. NOTWITHSTANDING ANYTHING CONTAINED IN THIS POLICY DOCUMENT, THE PROVISIONS HEREIN SHALL STAND ALTERED, AMENDED, MODIFIED OR SUPERCEDED TO SUCH EXTENT AND IN SUCH MANNER AS MAY BE REQUIRED BY ANY CHANGE IN THE APPLICABLE LAW (INCLUDING BUT NOT LIMITED TO ANY REGULATIONS MADE OR DIRECTIONS / INSTRUCTIONS OR GUIDELINES ISSUED BY THE IRDA OF INDIA) OR ANY OTHER COMPETENT AUTHORITY OR AS MAY BE NECESSARY UNDER A JUDGEMENT OR ORDER /DIRECTION/ INSTRUCTION OF A COURT OF LAW. List of Ombudsman Office of the Ombudsman Contact Details Areas of Jurisdiction AHMEDABAD Office of the Insurance Ombudsman, 2nd floor, Xxxxxx House, Near C.U. Shah College, 0, Xxxxxx Xxxxxx, Xxxxxx Xxxx, Ahmedabad – 380 014. Tel. : 079 - 00000000 / 00000000 Fax : 079 - 27546142 Email : xxxxxxxxxx.xxxxxxxxx@xxxx.xx.xx Gujarat, Dadra & Nagar Haveli, Daman and Diu BENGALURU Office of the Insurance Ombudsman, Xxxxxx Xxxxxx Building,PID No. 00-00-X-00 Xxxxxx Xxxxx, 00/00, 00xx Xxxx Xxxx, XX Xxxxx, Xxx Xxxxx, Xxxxxxxxx – 560 078. Tel. : 080 - 00000000 / 26652049 Email : xxxxxxxxxx.xxxxxxxxx@xxxx.xx.xx Karnataka BHOPAL Office of the Insurance Ombudsman, Xxxxx Vihar Complex, 2nd Floor, 0, Xxxxxxx Xxxxx, Opp. Airtel Office, Near New Market, Bhopal – 462 003. Tel. : 0755 - 0000000 / 0000000 Fax : 0755 - 2769203 Email : xxxxxxxxxx.xxxxxx@xxxx.xx.xx Madhya Pradesh Chattisgarh BHUBANESHWAR Office of the Insurance Ombudsman, 00, Xxxxxx xxxx, Xxxxxxxxxxx – 751 009. Tel. : 0674 - 0000000 /0000000 Fax : 0674 - 0000000 Emai : xxxxxxxxxx.xxxxxxxxxxx@xxxx.xx.xx Orissa CHANDIGARH Office of the Insurance Ombudsman, S.C.O. Xx. 000, 000 & 000, 0xx Xxxxx, Xxxxx Xxxxxxxx, Xxxxxx 00 – X, Xxxxxxxxxx – 160 017 Tel. : 0172 - 0000000 / 0000000 Fax : 0172 - 2708274 Email : xxxxxxxxxx.xxxxxxxxxx@xxxx.xx.xx Punjab, Haryana, Himachal Pradesh, Jammu & Kashmir, Chandigarh CHENNAI Office of the Insurance Ombudsman, Xxxxxx Xxxxxx Court, 4th Floor, Sy Xx000, Xxxx Xxxxx, Xxxxxxxxx, XXXXXXX – 600 018 Tel. 000/0: 044 - 00000000 / 00000000 Fax : 044 - 24333664 Email : xxxxxxxxxx.xxxxxxx@xxxx.xx.xx Tamil Nadu, Xxxxxxxxx XxxxxxxxPondicherry Town and Karaikal (which are part of Pondicherry) DELHI Office of the Insurance Ombudsman, Xxxxxxxxxxxx,Xxxxxxxxxx2/2 A, Xxxxxxxxx Universal Insurance Building, Xxxx Xxx Road, New Delhi – 000000 Ph110 002. Tel. : 011 - 00000000 / 00000000 Fax : 011 - 23230858 Email : xxxxxxxxxx.xxxxx@xxxx.xx.xx Delhi GUWAHATI Office of the Insurance Ombudsman, Xxxxxx Xxxxxx, 5th Floor, Nr. Panbazar over bridge, S.S. Road, Guwahati – 781001(ASSAM). Tel. : 0361 - 0000000 / 0000000 Fax : 0361 - 2732937 Email : xxxxxxxxxx.xxxxxxxx@xxxx.xx.xx Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura HYDERABAD Office of the Insurance Ombudsman, 6-2-46, 1st floor, "Moin Court", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel. : 040 - 00000000 / 00000000 Fax : 040 - 23376599 Email : xxxxxxxxxx.xxxxxxxxx@xxxx.xx.xx Andhra Pradesh, Telangana, Yanam and part of Territory of Pondicherry JAIPUR Office of the Insurance Ombudsman, Xxxxxx Xxxxx – II Bldg., Gr. Floor, Xxxxxxx Xxxxx Xxxx, Jaipur - 302 005. Tel. : 0141 - 2740363 Email : Xxxxxxxxxx.xxxxxx@xxxx.xx.xx Rajasthan ERNAKULAM Office of the Insurance Ombudsman, 2nd Floor, Pulinat Bldg., Opp. Cochin Shipyard, M. G. Road, Ernakulam - 682 015. Tel. : 0484 - 0000000 / 0000000 Fax : 0484 - 2359336 Email : xxxxxxxxxx.xxxxxxxxx@xxxx.xx.xx Kerala, Lakshadweep, Mahe-a part of Pondicherry KOLKATA Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 4th Floor, 4, C.R. Avenue, KOLKATA - 700 072. Tel. : 033 - 00000000 / 00000000 Fax : 033 - 22124341 Email : xxxxxxxxxx.xxxxxxx@xxxx.xx.xx West Bengal, Bihar, Sikkim, Jharkhand, Andaman & Nicobar Islands LUCKNOW Office of the Insurance Ombudsman, 6th Floor, Xxxxxx Xxxxxx, Phase-II, Xxxxx Kishore Road, Hazratganj, Lucknow - 226 001. Tel. : 0522 - 0000000 / 0000000 Fax : 0522 - 2231310 Email : xxxxxxxxxx.xxxxxxx@xxxx.xx.xx Districts of Uttar Pradesh : Laitpur, 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 MUMBAI Office of the Insurance Ombudsman, 3rd Floor, Xxxxxx Xxxx Xxxxxx, S. V. Road, Santacruz (000W), Mumbai - 400 054. Tel. : 022 - 00000000 / 00000000 Fax : 022 - 26106052 Email : xxxxxxxxxx.xxxxxx@xxxx.xx.xx Goa, Mumbai Metropolitan Region excluding Navi Mumbai & Thane NOIDA Office of the Insurance Ombudsman, Email : xxxxxxxxxx.xxxxx@xxxx.xx.xx State of Uttaranchal and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Etah, Bulandshehar, Kanooj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautambodhanagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur PUNE Office of the Insurance Ombudsman, Xxxxxx Xxxxxxx Xxxx., 2nd Floor, C.T.S. No.s. 195 to 198, N.C. Xxxxxx Road, Xxxxxxx Xxxx, Pune – 411 030 Tel. : 020 - 32341320 Email : xxxxxxxxxx.xxxx@xxxx.xx.xx Maharashtra, Area of Navi Mumbai and Thane excluding Mumbai Metropolitan Region Annexure I Enhanced Guaranteed Survival Benefit: . If the policyholder opts to defer the receipt of the Guaranteed Survival Benefit to subsequent due dates, he/she will get enhanced % of sum assured as Guaranteed Survival Benefit depending upon the subsequent due date, he/she chooses to receive the benefit. Option 10 PPT/20 term Year when Guaranteed Survival Benefit is due 4th 8th 12th 16th 20th Guaranteed Survival Benefit (% of SA) 0000000010% 15% 20% 25% 30% Year till the Guaranteed Survival Benefit is deferred/Enhanced Guaranteed Survival Benefit (% of SA) 4th 8th 12th 16th 20th 10% 12% 15% 19% 23% 15% 18% 23% 28% 20% 24% 30% 25% 30% 30% Option 12 PPT/24 term Year when Guaranteed Survival Benefit is due 4th 8th 12th 16th 20th 24th Guaranteed Survival Benefit (% of SA) 10% 15% 20% 25% 30% 35% Year till the Guaranteed Survival Benefit is deferred/ Enhanced Guaranteed Survival Benefit (% of SA) 4th 8th 12th 16th 20th 24th 10% 12% 15% 19% 23% 29% 15% 18% 23% 28% 35% 20% 24% 30% 37% 25% 30% 37% 30% 37% 35% Option 10 PPT/20 term Year when Guaranteed Survival Benefit is due Guaranteed Survival Benefit (% of SA) Year till the Guaranteed Survival Benefit is deferred/ Enhanced Guaranteed Survival Benefit (% of SA) 5th 10th 15th 20th 5th 15% 15% 20% 20% 25% 25% 25% 33% 33% 33% 40% 10th 20% 15th 25% 20th 40% Option 12 PPT/25 term Year when Guaranteed Survival Benefit is due 5th 10th 15th 20th 25th Benefit(% of SA) 5th 10th 15th 20th 25th 15% 15% 20% 25% 33% 43% 20% 20% 25% 33% 43% 25% 25% 33% 43% 30% 30% 39% 45% 45% Guaranteed Survival Year till the Guaranteed Survival Benefit is deferred/ Enhanced Guaranteed Survival Benefit (% of SA) ANNEXURE A
Appears in 1 contract
Samples: General
Fraud and Misrepresentation. As per the provisions of Section 45 of the Insurance Act, 1938 and as amended from time to time. For more details on Section 45 of the Insurance Act, 1938 please refer to Xxxxxxxx X. Xxxxxx Xxxxx Sun Life Insurance Group Income Replacement Plan Part F Grievance or Complaint You may register your grievance or complaint with our Head Customer Response & Resolution at Customer Care Unit / Xxxxxx Xxxxx Sun Life Insurance Company Ltd. (Formerly Birla Sun Life Insurance Company Ltd.)/ Ltd./ One Indiabulls Centre, Tower 0, 00xx Xxxxx, Xxxxxxx Xxxx Xxxxxxxx, 000, Xxxxxxxx Xxxxx Xxxx, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. 0-000-000-0000 or email: xxxx.xxxxxxxxxxxxx@xxxxxxxxxxxxxxxxxx.xxx. xxxx.xxxxxxxxxxxxx@xxxxxxxxxxxxxxxxxx.xxx In case you are dissatisfied with the decision of the above office or have not received any response with within 10 days, you may contact Head Service Assurance at Customer Care Unit / Xxxxxx Xxxxx Sun Life Insurance Company Ltd. (Formerly Birla Sun Life Insurance Company Ltd.) / One Indiabulls Centre, Tower 0, 00xx Xxxxx, Xxxxxxx Xxxx Xxxxxxxx, 000, Xxxxxxxx Xxxxx Xxxx, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. 10-800000-270- 7000 000-0000 or email: xxxxxxxxx.xxxxxxxxxxxxx@xxxxxxxxxxxxxxxxxx.xxx Xxxxxxxxx.xxxxxxxxxxxxx@xxxxxxxxxxxxxxxxxx.xxx The complaint should be made in writing duly signed or through email by the Complainant complainant or by his/her legal heirs with full details of the complaint and the contact information of complainant. SAMPLE If you are not satisfied with the response or do not receive a response from us within 15 days, You you may approach the Grievance Cell of the Insurance Regulatory and Development Authority of India (IRDAI) on the following contact details: IRDAI Grievance Call Centre (IGCC) TOLL FREE NO: 155255 Email ID: xxxxxxxxxx@xxxx.xxx.xx You can also register your complaint online at xxxx://xxx.xxxx.xxxx.xxx.xx/ Address for communication for complaints by fax/paper: Consumer Affairs Department, Insurance Regulatory and Development Authority of India, 4th Floor, Sy Xx. 000/0, Xxxxxxxxx Xxxxxxxx, Xxxxxxxxxxxx,Xxxxxxxxxx, Xxxxxxxxx – 000000 Ph: (000) 0000000000000000 Insurance Ombudsman In case you are dissatisfied with the decision/resolution of the Company, you may approach the Insurance Ombudsman located nearest to you (please refer to Appendix I or visit our website xxx.xxxxxxxxxxxxxxxxxxxxxxxxxxx.xxx) if your grievance pertains to: insurance claim that has been rejected or dispute of a claim on legal construction of the policy; delay in claim settlement; dispute with regard to premium; or non-receipt of your policy document. As per provision 14(3) of the Insurance Ombudsman Rules 2017, the complaint to the Ombudsman can be made: only if the grievance has been rejected by the grievance redressal machinery of the insurer; within a period of one year from the date of rejection by the insurer; and if it is not simultaneously under any litigation. Risk Factors / Disclaimers This policy is underwritten by Xxxxxx Xxxxx Sun Life Insurance Company Limited (ABSLI) and is a traditional non participating group insurance plan. All terms & conditions are fully guaranteed throughout the policy term. ABSLI reserves the right to recover levies such as GST levied by the authorities on insurance transactions. If there be any additional levies, they too will be recovered from you. Tax benefits are subject to changes in the tax laws. NOTWITHSTANDING ANYTHING CONTAINED IN THIS POLICY DOCUMENT, THE PROVISIONS HEREIN SHALL STAND ALTERED, AMENDED, MODIFIED OR SUPERCEDED TO SUCH EXTENT AND IN SUCH MANNER AS MAY BE REQUIRED BY ANY CHANGE IN THE APPLICABLE LAW (INCLUDING BUT NOT LIMITED TO ANY REGULATIONS MADE OR DIRECTIONS / INSTRUCTIONS OR GUIDELINES ISSUED BY THE IRDAI) OR ANY OTHER COMPETENT AUTHORITY OR AS MAY BE NECESSARY UNDER A JUDGEMENT OR ORDER /DIRECTION/ INSTRUCTION OF A COURT OF LAW. Xxxxxx Xxxxx Sun Life Insurance Group Income Replacement Plan Part G SAMPLE List of Ombudsman Office of the Ombudsman Contact Details Areas of Jurisdiction AHMEDABAD Office of the Insurance Ombudsman, Xxxxxx Xxxxxxx Building,6th Floor, Tilak Marg, Relief Road, Ahmedabad – 380001 Tel.: 079 - 00000000/02/05/06 Email: xxxxxxxxxx.xxxxxxxxx@xxxx.xx.xx Gujarat, Dadra & Nagar Haveli, Daman and Diu BENGALURU Office of the Insurance Ombudsman, Xxxxxx Xxxxxx Building,PID No. 57-27-N-19 Ground Floor, 00/00, 00xx Xxxx Xxxx, XX Xxxxx, Xxx Xxxxx, Xxxxxxxxx – 560 078 Tel.: 080 - 00000000 / 26652049 Email: xxxxxxxxxx.xxxxxxxxx@xxxx.xx.xx Karnataka BHOPAL Office of the Insurance Ombudsman, Xxxxx Vihar Complex, 2nd Floor, 0, Xxxxxxx Xxxxx, Opp. Airtel Office, Near New Market, Bhopal – 462 003. Tel. : 0755 - 0000000 / 0000000 Fax : 0755 - 2769203 Email : xxxxxxxxxx.xxxxxx@xxxx.xx.xx Madhya Pradesh Chattisgarh BHUBANESHWAR Office of the Insurance Ombudsman, 00, Xxxxxx xxxx, Xxxxxxxxxxx – 751 009. Tel. : 0674 - 0000000 /0000000 Fax : 0674 - 0000000 Emai : xxxxxxxxxx.xxxxxxxxxxx@xxxx.xx.xx Orissa CHANDIGARH Office of the Insurance Ombudsman, S.C.O. Xx. 000, 000 & 000, 0xx Xxxxx, Xxxxx Xxxxxxxx, Xxxxxx 00 – X, Xxxxxxxxxx – 160 017 Tel. : 0172 - 0000000 / 0000000 Fax : 0172 - 2708274 Email : xxxxxxxxxx.xxxxxxxxxx@xxxx.xx.xx Punjab, Haryana, Himachal Pradesh, Jammu & Kashmir, Chandigarh CHENNAI Office of the Insurance Ombudsman, Xxxxxx Xxxxxx Court, 4th Floor, 000, Xxxx Xxxxx, Xxxxxxxxx, XXXXXXX – 600 018 Tel. : 044 - 00000000 / 00000000 Fax : 044 - 24333664 Email : xxxxxxxxxx.xxxxxxx@xxxx.xx.xx Tamil Nadu, Pondicherry Town and Karaikal (which are part of Pondicherry) DELHI Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Xxxx Xxx Road, New Delhi – 110 002. Tel. : 011 - 0000000/23213504 Email : xxxxxxxxxx.xxxxx@xxxx.xx.xx Delhi GUWAHATI Office of the Insurance Ombudsman, Xxxxxx Xxxxxx, 5th Floor, Nr. Panbazar over bridge, S.S. Road, Guwahati – 781001(ASSAM). Tel. : 0361 - 0000000 / 0000000 Fax : 0361 - 2732937 Email : xxxxxxxxxx.xxxxxxxx@xxxx.xx.xx Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura HYDERABAD Office of the Insurance Ombudsman, 6-2-46, 1st floor, "Moin Court", Lane Opp. Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. Tel. : 040 - 00000000 / 00000000 Fax : 040 - 23376599 Email : xxxxxxxxxx.xxxxxxxxx@xxxx.xx.xx Andhra Pradesh, Telangana, Yanam and part of Territory of Pondicherry Xxxxxx Xxxxx Sun Life Insurance Group Income Replacement Plan Part G JAIPUR Office of the Insurance Ombudsman, Xxxxxx Xxxxx – II Bldg., Gr. Floor, Xxxxxxx Xxxxx Xxxx, Jaipur - 302 005. Tel. : 0141 - 2740363 Email : Xxxxxxxxxx.xxxxxx@xxxx.xx.xx Rajasthan ERNAKULAM Office of the Insurance Ombudsman, 2nd Floor, Pulinat Bldg., Opp. Cochin Shipyard, M. G. Road, Ernakulam - 682 015. Tel. : 0484 - 0000000 / 0000000 Fax : 0484 - 2359336 Email : xxxxxxxxxx.xxxxxxxxx@xxxx.xx.xx Kerala, Lakshadweep, Mahe-a part of Pondicherry KOLKATA Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 4th Floor, 4, C.R. Avenue, KOLKATA - 700 072. Tel. : 033 - 00000000 / 00000000 Fax : 033 - 22124341 Email : xxxxxxxxxx.xxxxxxx@xxxx.xx.xx West Bengal, Sikkim, Andaman & Nicobar Islands LUCKNOW Office of the Insurance Ombudsman, 6th Floor, Xxxxxx Xxxxxx, Phase-II, Xxxxx Kishore Road, Hazratganj, Lucknow - 226 001. Tel. : 0522 - 0000000 / 0000000 Fax : 0522 - 2231310 Email : xxxxxxxxxx.xxxxxxx@xxxx.xx.xx Districts of Uttar Pradesh : Laitpur, 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 MUMBAI Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054. Tel. : 022 - 00000000 / 00000000 Fax : 022 - 26106052 Email : xxxxxxxxxx.xxxxxx@xxxx.xx.xx Goa, Mumbai Metropolitan Region excluding Navi Mumbai & Thane NOIDA Office of the Insurance Ombudsman, Xxxxxxx Xxxxx Palace 4th Floor, Main Road, Naya Bans, Xxxxxx 00, Xxxxx: Xxxxxx Xxxxx Xxxxx, X.X-201301 Tel.: 0000-0000000 / 2514252 / 2514253 Email: xxxxxxxxxx.xxxxx@xxxx.xx.xx State of Uttaranchal and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Etah, Bulandshehar, Kanooj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautambodhanagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur PATNA Office of the Insurance Ombudsman, 1st Floor, Kalpana Arcade Building, Bazar Samiti Road, Bahadurpur, Patna - 800 006. Email:- xxxxxxxxxx.xxxxx@xxxx.xx.xx States of Bihar & Jharkhand PUNE Office of the Insurance Ombudsman, Xxxxxx Xxxxxxx Xxxx., 2nd Floor, C.T.S. No.s. 195 to 198, N.C. Xxxxxx Road, Xxxxxxx Xxxx, Pune – 411 030 Tel. : 020 - 32341320 Email : xxxxxxxxxx.xxxx@xxxx.xx.xx Maharashtra, Area of Navi Mumbai and Thane excluding Mumbai Metropolitan Region SAMPLE Xxxxxx Xxxxx Sun Life Insurance Group Income Replacement Plan Part G ANNEXURE A
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Samples: www.irdai.gov.in
