Fraud and Misrepresentation. As per provisions of Section 45 of the Insurance Act, 1938 as amended from time to time. For more details on Section 45 of the Insurance Act, 1938 please refer to ▇▇▇▇▇▇▇▇ ▇. You may register your grievance or complaint with our Head Customer Response & Resolution at Customer Care Unit / ▇▇▇▇▇▇ ▇▇▇▇▇ Sun Life Insurance Company Ltd./ One Indiabulls Centre, Tower ▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. ▇-▇▇▇-▇▇▇-▇▇▇▇ or email: ▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ In case you are dissatisfied with the decision of the above office or have not received any response within 10 days, you may contact Head Service Assurance at Customer Care Unit / ▇▇▇▇▇▇ ▇▇▇▇▇ Sun Life Insurance Company Ltd. / One Indiabulls Centre, Tower ▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. ▇-▇▇▇-▇▇▇-▇▇▇▇ or email: ▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ 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: ▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇▇.▇▇ You can also register your complaint online at ▇▇▇▇://▇▇▇.▇▇▇▇.▇▇▇▇.▇▇▇.▇▇/ Address for communication for complaints by fax/paper: Consumer Affairs Department, Insurance Regulatory and Development Authority of India, 4th Floor, Sy ▇▇. ▇▇▇/▇, ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇,▇▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇ – ▇▇▇▇▇▇ Ph: (▇▇▇) ▇▇▇▇▇▇▇▇ 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 ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇) 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. This policy is underwritten by ▇▇▇▇▇▇ ▇▇▇▇▇ 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. SAMPLE Office of the Ombudsman Contact Details Areas of Jurisdiction AHMEDABAD Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Building,6th Floor, Tilak Marg, Relief Road, Ahmedabad – 380001 Tel.: 079 - ▇▇▇▇▇▇▇▇/02/05/06 Email: ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Gujarat, Dadra & Nagar Haveli, Daman and Diu BENGALURU Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇ Building,PID No. 57-27-N-19 Ground Floor, ▇▇/▇▇, ▇▇▇▇ ▇▇▇▇ ▇▇▇▇, ▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇ – 560 078 Tel.: 080 - ▇▇▇▇▇▇▇▇ / 26652049 Email: ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Karnataka BHOPAL Office of the Insurance Ombudsman, ▇▇▇▇▇ Vihar Complex, 2nd Floor, ▇, ▇▇▇▇▇▇▇ ▇▇▇▇▇, Opp. Airtel Office, Near New Market, Bhopal – 462 003. Tel. : 0755 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0755 - 2769203 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Madhya Pradesh Chattisgarh BHUBANESHWAR Office of the Insurance Ombudsman, ▇▇, ▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ – 751 009. Tel. : 0674 - ▇▇▇▇▇▇▇ /▇▇▇▇▇▇▇ Fax : 0674 - ▇▇▇▇▇▇▇ Emai : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Orissa CHANDIGARH Office of the Insurance Ombudsman, S.C.O. ▇▇. ▇▇▇, ▇▇▇ & ▇▇▇, ▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇ ▇▇ – ▇, ▇▇▇▇▇▇▇▇▇▇ – 160 017 Tel. : 0172 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0172 - 2708274 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Punjab, Haryana, Himachal Pradesh, Jammu & Kashmir, Chandigarh CHENNAI Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇ Court, 4th Floor, ▇▇▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇ – 600 018 Tel. : 044 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 044 - 24333664 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Tamil Nadu, Pondicherry Town and Karaikal (which are part of Pondicherry) DELHI Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, ▇▇▇▇ ▇▇▇ Road, New Delhi – 110 002. Tel. : 011 - ▇▇▇▇▇▇▇/23213504 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Delhi GUWAHATI Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇, 5th Floor, Nr. Panbazar over bridge, S.S. Road, Guwahati – 781001(ASSAM). Tel. : 0361 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0361 - 2732937 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 040 - 23376599 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Andhra Pradesh, Telangana, Yanam and part of Territory of Pondicherry Part G JAIPUR Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇ – II Bldg., Gr. Floor, ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, Jaipur - 302 005. Tel. : 0141 - 2740363 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Rajasthan ERNAKULAM Office of the Insurance Ombudsman, 2nd Floor, Pulinat Bldg., Opp. Cochin Shipyard, M. G. Road, Ernakulam - 682 015. Tel. : 0484 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0484 - 2359336 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 033 - 22124341 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ West Bengal, Sikkim, Andaman & Nicobar Islands LUCKNOW Office of the Insurance Ombudsman, 6th Floor, ▇▇▇▇▇▇ ▇▇▇▇▇▇, Phase-II, ▇▇▇▇▇ Kishore Road, Hazratganj, Lucknow - 226 001. Tel. : 0522 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0522 - 2231310 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 022 - 26106052 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Goa, Mumbai Metropolitan Region excluding Navi Mumbai & Thane NOIDA Office of the Insurance Ombudsman, ▇▇▇▇▇▇▇ ▇▇▇▇▇ Palace 4th Floor, Main Road, Naya Bans, ▇▇▇▇▇▇ ▇▇, ▇▇▇▇▇: ▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇, ▇.▇-201301 Tel.: ▇▇▇▇-▇▇▇▇▇▇▇ / 2514252 / 2514253 Email: ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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:- ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ States of Bihar & Jharkhand PUNE Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇., 2nd Floor, C.T.S. No.s. 195 to 198, N.C. ▇▇▇▇▇▇ Road, ▇▇▇▇▇▇▇ ▇▇▇▇, Pune – 411 030 Tel. : 020 - 32341320 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇@▇▇▇▇.▇▇.▇▇ Maharashtra, Area of Navi Mumbai and Thane excluding Mumbai Metropolitan Region SAMPLE
Appears in 1 contract
Sources: Group Income Replacement Plan
Fraud and Misrepresentation. As per the provisions of Section 45 of the Insurance Act, 1938 as amended from time to time. For more details on Section 45 of the Insurance Act, 1938 please refer to ▇▇▇▇▇▇▇▇ ▇. You may register your grievance or complaint with our Head Customer Response & Resolution at Customer Care Unit / ▇▇▇▇▇▇ ▇▇▇▇▇ Sun Life Insurance Company Ltd./ One Indiabulls Centre, Tower ▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. ▇-▇▇▇-▇▇▇-▇▇▇▇ or email: ▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ In case you are dissatisfied with the decision of the above office or have not received any response within 10 days, you may contact Head Service Assurance at Customer Care Unit / ▇▇▇▇▇▇ ▇▇▇▇▇ Birla Sun Life Insurance Company Ltd. / One Indiabulls Centre, Tower ▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. ▇-▇▇▇-▇▇▇-▇▇▇▇ or email: ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. 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 / Birla Sun Life Insurance Company Ltd. / One Indiabulls Centre, Tower ▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. ▇-▇▇▇-▇▇▇-▇▇▇▇ or email: ▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇.▇▇▇ . 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: ▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇▇.▇▇ You can also register your complaint online at ▇▇▇▇://▇▇▇.▇▇▇▇.▇▇▇▇.▇▇▇.▇▇/ Address for communication for complaints by fax/paper: Consumer Affairs Department, Insurance Regulatory and Development Authority of India, 4th Floor9th floor, Sy ▇▇. ▇▇▇/▇United India Towers, ▇▇▇▇▇Basheerbagh, Hyderabad – 500 029, Andhra Pradesh Fax No: 91- 40 – ▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇,▇▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇ – ▇▇▇▇▇▇ Ph: (▇▇▇) ▇▇▇▇▇▇▇▇ 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 ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇) 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(313(3) of the Insurance Ombudsman Redressal of Public Grievances Rules 20171998, 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. This policy is underwritten by ▇▇▇▇▇▇ ▇▇▇▇▇ Birla Sun Life Insurance Company Limited (ABSLIBSLI) and is a traditional non participating group life insurance plan. All terms & conditions are fully guaranteed throughout the policy term, except for the bonuses which will vary from policy year to policy year depending on prevailing economic conditions. ABSLI BSLI reserves the right to recover levies such as GST the service tax 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. SAMPLE Office of the Ombudsman Contact Details Areas of Jurisdiction AHMEDABAD Office of the Insurance Ombudsman, 2nd floor, ▇▇▇▇▇▇ House, Near C.U. Shah College, ▇, ▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇ Building,6th Floor, Tilak Marg, Relief Road▇▇▇▇, Ahmedabad – 380001 380 014. Tel.. : 079 - ▇▇▇▇▇▇▇▇ / ▇/02/05/06 Email▇▇▇▇▇▇▇ Fax : 079 - 27546142 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Gujarat, Dadra & Nagar Haveli, Daman and Diu BENGALURU Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇ Building,PID No. 57▇▇-27▇▇-N-19 Ground Floor▇-▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇, ▇▇/▇▇, ▇▇▇▇ ▇▇▇▇ ▇▇▇▇, ▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇ – 560 078 078. Tel.. : 080 - ▇▇▇▇▇▇▇▇ / 26652049 EmailEmail : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Karnataka BHOPAL Office of the Insurance Ombudsman, ▇▇▇▇▇ Vihar Complex, 2nd Floor, ▇, ▇▇▇▇▇▇▇ ▇▇▇▇▇, Opp. Airtel Office, Near New Market, Bhopal – 462 003. Tel. : 0755 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0755 - 2769203 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Madhya Pradesh Chattisgarh BHUBANESHWAR Office of the Insurance Ombudsman, ▇▇, ▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ – 751 009. Tel. : 0674 - ▇▇▇▇▇▇▇ /▇▇▇▇▇▇▇ Fax : 0674 - ▇▇▇▇▇▇▇ Emai : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Orissa CHANDIGARH Office of the Insurance Ombudsman, S.C.O. ▇▇. ▇▇▇, ▇▇▇ & ▇▇▇, ▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇ ▇▇ – ▇, ▇▇▇▇▇▇▇▇▇▇ – 160 017 Tel. : 0172 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0172 - 2708274 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Punjab, Haryana, Himachal Pradesh, Jammu & Kashmir, Chandigarh CHENNAI Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇ Court, 4th Floor, ▇▇▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇ – 600 018 Tel. : 044 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 044 - 24333664 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Tamil Nadu, Pondicherry Town and Karaikal (which are part of Pondicherry) DELHI Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, ▇▇▇▇ ▇▇▇ Road, New Delhi – 110 002. Tel. : 011 - ▇▇▇▇▇▇▇/23213504 ▇ / ▇▇▇▇▇▇▇▇ Fax : 011 - 23230858 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Delhi GUWAHATI Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇, 5th Floor, Nr. Panbazar over bridge, S.S. Road, Guwahati – 781001(ASSAM). Tel. : 0361 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0361 - 2732937 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 040 - 23376599 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Andhra Pradesh, Telangana, Yanam and part of Territory of Pondicherry Part G JAIPUR Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇ – II Bldg., Gr. Floor, ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, Jaipur - 302 005. Tel. : 0141 - 2740363 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Rajasthan ERNAKULAM Office of the Insurance Ombudsman, 2nd Floor, Pulinat Bldg., Opp. Cochin Shipyard, M. G. Road, Ernakulam - 682 015. Tel. : 0484 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0484 - 2359336 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 033 - 22124341 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ West Bengal, Bihar, Sikkim, Jharkhand, Andaman & Nicobar Islands LUCKNOW Office of the Insurance Ombudsman, 6th Floor, ▇▇▇▇▇▇ ▇▇▇▇▇▇, Phase-II, ▇▇▇▇▇ Kishore Road, Hazratganj, Lucknow - 226 001. Tel. : 0522 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0522 - 2231310 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 022 - 26106052 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Goa, Mumbai Metropolitan Region excluding Navi Mumbai & Thane NOIDA Office of the Insurance Ombudsman, ▇▇▇▇▇▇▇ ▇▇▇▇▇ Palace 4th Floor, Main Road, Naya Bans, ▇▇▇▇▇▇ ▇▇, ▇▇▇▇▇: ▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇, ▇.▇-201301 Tel.: ▇▇▇▇-▇▇▇▇▇▇▇ / 2514252 / 2514253 EmailEmail : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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:- ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ States of Bihar & Jharkhand PUNE Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇., 2nd Floor, C.T.S. No.s. 195 to 198, N.C. ▇▇▇▇▇▇ Road, ▇▇▇▇▇▇▇ ▇▇▇▇, Pune – 411 030 Tel. : 020 - 32341320 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇@▇▇▇▇.▇▇.▇▇ Maharashtra, Area of Navi Mumbai and Thane excluding Mumbai Metropolitan Region SAMPLE4th 8th 12th 16th 20th 4th 8th 12th 16th 20th Year when Guaranteed Survival Benefit is due 4th 8th 12th 16th 20th 24th 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% 5th 10th 15th 20th 5th 15% 15% 20% 20% 25% 25% 25% 33% 33% 33% 40% 10th 15th 20th 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)
Appears in 1 contract
Sources: Insurance Policy
Fraud and Misrepresentation. As per the provisions of Section 45 of the Insurance Act, 1938 as amended from time to time. For more details on Section 45 of the Insurance Act, 1938 please refer to ▇▇▇▇▇▇▇▇ ▇. You may register your grievance or complaint with our Head Customer Response & Resolution at Customer Care Unit / ▇▇▇▇▇▇ ▇▇▇▇▇ Sun Life Insurance Company Ltd./ One Indiabulls Centre, Tower ▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. ▇-▇▇▇-▇▇▇-▇▇▇▇ or email: ▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ In case you are dissatisfied with the decision of the above office or have not received any response within 10 days, you may contact Head Service Assurance at Customer Care Unit / ▇▇▇▇▇▇ ▇▇▇▇▇ Birla Sun Life Insurance Company Ltd. / One Indiabulls Centre, Tower ▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. ▇-▇▇▇-▇▇▇-▇▇▇▇ or email: ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. 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 / Birla Sun Life Insurance Company Ltd. / One Indiabulls Centre, Tower ▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. ▇-▇▇▇-▇▇▇-▇▇▇▇ or email: ▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇.▇▇▇ . 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: ▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇▇.▇▇ You can also register your complaint online at ▇▇▇▇://▇▇▇.▇▇▇▇.▇▇▇▇.▇▇▇.▇▇/ Address for communication for complaints by fax/paper: Consumer Affairs Department, Insurance Regulatory and Development Authority of India, 4th Floor9th floor, Sy ▇▇. ▇▇▇/▇United India Towers, ▇▇▇▇▇Basheerbagh, Hyderabad – 500 029, Andhra Pradesh Fax No: 91- 40 – ▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇,▇▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇ – ▇▇▇▇▇▇ Ph: (▇▇▇) ▇▇▇▇▇▇▇▇ 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 ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇) 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(313(3) of the Insurance Ombudsman Redressal of Public Grievances Rules 20171998, 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. This policy is underwritten by ▇▇▇▇▇▇ ▇▇▇▇▇ Birla Sun Life Insurance Company Limited (ABSLIBSLI) and is a traditional non participating group life insurance plan. All terms & conditions are fully guaranteed throughout the policy term, except for the bonuses which will vary from policy year to policy year depending on prevailing economic conditions. ABSLI BSLI reserves the right to recover levies such as GST the service tax 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. SAMPLE Office of the Ombudsman Contact Details Areas of Jurisdiction AHMEDABAD Office of the Insurance Ombudsman, 2nd floor, ▇▇▇▇▇▇ House, Near C.U. Shah College, ▇, ▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇ Building,6th Floor, Tilak Marg, Relief Road▇▇▇▇, Ahmedabad – 380001 380 014. Tel.. : 079 - ▇▇▇▇▇▇▇▇ / ▇/02/05/06 Email▇▇▇▇▇▇▇ Fax : 079 - 27546142 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Gujarat, Dadra & Nagar Haveli, Daman and Diu BENGALURU Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇ Building,PID No. 57▇▇-27▇▇-N-19 Ground Floor▇-▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇, ▇▇/▇▇, ▇▇▇▇ ▇▇▇▇ ▇▇▇▇, ▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇ – 560 078 078. Tel.. : 080 - ▇▇▇▇▇▇▇▇ / 26652049 EmailEmail : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Karnataka BHOPAL Office of the Insurance Ombudsman, ▇▇▇▇▇ Vihar Complex, 2nd Floor, ▇, ▇▇▇▇▇▇▇ ▇▇▇▇▇, Opp. Airtel Office, Near New Market, Bhopal – 462 003. Tel. : 0755 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0755 - 2769203 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Madhya Pradesh Chattisgarh BHUBANESHWAR Office of the Insurance Ombudsman, ▇▇, ▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ – 751 009. Tel. : 0674 - ▇▇▇▇▇▇▇ /▇▇▇▇▇▇▇ Fax : 0674 - ▇▇▇▇▇▇▇ Emai : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Orissa CHANDIGARH Office of the Insurance Ombudsman, S.C.O. ▇▇. ▇▇▇, ▇▇▇ & ▇▇▇, ▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇ ▇▇ – ▇, ▇▇▇▇▇▇▇▇▇▇ – 160 017 Tel. : 0172 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0172 - 2708274 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Punjab, Haryana, Himachal Pradesh, Jammu & Kashmir, Chandigarh CHENNAI Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇ Court, 4th Floor, ▇▇▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇ – 600 018 Tel. : 044 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 044 - 24333664 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Tamil Nadu, Pondicherry Town and Karaikal (which are part of Pondicherry) DELHI Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, ▇▇▇▇ ▇▇▇ Road, New Delhi – 110 002. Tel. : 011 - ▇▇▇▇▇▇▇/23213504 ▇ / ▇▇▇▇▇▇▇▇ Fax : 011 - 23230858 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Delhi GUWAHATI Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇, 5th Floor, Nr. Panbazar over bridge, S.S. Road, Guwahati – 781001(ASSAM). Tel. : 0361 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0361 - 2732937 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 040 - 23376599 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Andhra Pradesh, Telangana, Yanam and part of Territory of Pondicherry Part G JAIPUR Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇ – II Bldg., Gr. Floor, ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, Jaipur - 302 005. Tel. : 0141 - 2740363 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Rajasthan ERNAKULAM Office of the Insurance Ombudsman, 2nd Floor, Pulinat Bldg., Opp. Cochin Shipyard, M. G. Road, Ernakulam - 682 015. Tel. : 0484 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0484 - 2359336 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 033 - 22124341 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ West Bengal, Bihar, Sikkim, Jharkhand, Andaman & Nicobar Islands LUCKNOW Office of the Insurance Ombudsman, 6th Floor, ▇▇▇▇▇▇ ▇▇▇▇▇▇, Phase-II, ▇▇▇▇▇ Kishore Road, Hazratganj, Lucknow - 226 001. Tel. : 0522 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0522 - 2231310 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 022 - 26106052 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Goa, Mumbai Metropolitan Region excluding Navi Mumbai & Thane NOIDA Office of the Insurance Ombudsman, ▇▇▇▇▇▇▇ ▇▇▇▇▇ Palace 4th Floor, Main Road, Naya Bans, ▇▇▇▇▇▇ ▇▇, ▇▇▇▇▇: ▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇, ▇.▇-201301 Tel.: ▇▇▇▇-▇▇▇▇▇▇▇ / 2514252 / 2514253 EmailEmail : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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:- ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ States of Bihar & Jharkhand PUNE Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇., 2nd Floor, C.T.S. No.s. 195 to 198, N.C. ▇▇▇▇▇▇ Road, ▇▇▇▇▇▇▇ ▇▇▇▇, Pune – 411 030 Tel. : 020 - 32341320 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇@▇▇▇▇.▇▇.▇▇ Maharashtra, Area of Navi Mumbai and Thane excluding Mumbai Metropolitan Region SAMPLE4th 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% 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% 5th 10th 15th 20th 5th 15% 15% 20% 25% 33% 10th 20% 20% 25% 33% 15th 25% 25% 33% 20th 40% 40% 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%
Appears in 1 contract
Sources: Insurance Policy
Fraud and Misrepresentation. As per provisions of Section 45 of the Insurance Act, 1938 as amended from time to time. For more details on Section 45 of the Insurance Act, 1938 please refer to ▇▇▇▇▇▇▇▇ ▇. You may register your grievance or complaint with our Head Customer Response & Resolution at Customer Care Unit / ▇▇▇▇▇▇ ▇▇▇▇▇ Sun Life Insurance Company Ltd./ One Indiabulls Centre, Tower ▇▇▇▇▇ ▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. ▇-▇▇▇-▇▇▇-▇▇▇▇ or email: ▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ In case you are dissatisfied with the decision of the above office or have not received any response within 10 days, you may contact Head Service Assurance at Customer Care Unit / ▇▇▇▇▇▇ ▇▇▇▇▇ Sun Life Insurance Company Ltd. / One Indiabulls Centre▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇, Tower ▇▇▇▇▇ ▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, Elphinstone Road, Mumbai – 400013. You may also call our toll free no. ▇-▇▇▇-▇▇▇-▇▇▇▇ or email: ▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ 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: ▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇▇.▇▇ You can also register your complaint online at ▇▇▇▇://▇▇▇.▇▇▇▇.▇▇▇▇.▇▇▇.▇▇/ Address for communication for complaints by fax/paper: Consumer Affairs Department, Insurance Regulatory and Development Authority of India, 4th Floor▇▇▇ ▇▇▇▇▇, Sy ▇▇ ▇▇. ▇▇▇/▇, ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇,▇▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇ – ▇▇▇▇▇▇ Ph: (▇▇▇) ▇▇▇▇▇▇▇▇ 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 ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇) 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. This policy is underwritten by ▇▇▇▇▇▇ ▇▇▇▇▇ 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. SAMPLE Office of the Ombudsman Contact Details Areas of Jurisdiction AHMEDABAD Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Building,6th FloorBuilding,▇▇▇ ▇▇▇▇▇, Tilak Marg▇▇▇▇▇ ▇▇▇▇, Relief Road▇▇▇▇▇▇ ▇▇▇▇, Ahmedabad ▇▇▇▇▇▇▇▇▇ – 380001 ▇▇▇▇▇▇ Tel.: 079 - ▇▇▇▇▇▇▇▇/02/05/06 Email: ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Gujarat, Dadra & Nagar Haveli, Daman and Diu BENGALURU Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇ Building,PID No▇▇. 57▇▇-27▇▇-N-19 Ground Floor▇-▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇, ▇▇/▇▇, ▇▇▇▇ ▇▇▇▇ ▇▇▇▇, ▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇ – 560 078 ▇▇▇ ▇▇▇ Tel.: 080 - ▇▇▇▇▇▇▇▇ / 26652049 Email: ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Karnataka BHOPAL Office of the Insurance Ombudsman, ▇▇▇▇▇ Vihar Complex, 2nd Floor, ▇6, ▇▇▇▇▇▇▇ ▇▇▇▇▇Nagar, Opp. Airtel Office, Near New Market, Bhopal – 462 003. Tel. : 0755 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0755 - 2769203 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Madhya Pradesh Chattisgarh BHUBANESHWAR Office of the Insurance Ombudsman, ▇▇, ▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ – 751 009▇▇▇ ▇▇▇. Tel. : 0674 - ▇▇▇▇▇▇▇ /▇▇▇▇▇▇▇ Fax : 0674 - ▇▇▇▇▇▇▇ Emai : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Orissa CHANDIGARH Office of the Insurance Ombudsman, S.C.O. ▇▇. ▇▇▇, ▇▇▇ & ▇▇▇, ▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇ ▇▇ – ▇, ▇▇▇▇▇▇▇▇▇▇ – 160 017 ▇▇▇ ▇▇▇ Tel. : 0172 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0172 - 2708274 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Punjab, Haryana, Himachal Pradesh, Jammu & Kashmir, Chandigarh CHENNAI Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇ Court, 4th Floor, ▇▇▇, ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇Teynampet, ▇▇▇▇▇▇▇ CHENNAI – 600 018 Tel. : 044 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 044 - 24333664 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Tamil Nadu, Pondicherry Town and Karaikal (which are part of Pondicherry) DELHI Office of the Insurance Ombudsman, 2/2 A▇/▇ ▇, Universal Insurance Building▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇ Road, New Delhi – 110 002. Tel. : 011 - ▇▇▇▇▇▇▇/23213504 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Delhi GUWAHATI Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇, 5th Floor, Nr. Panbazar over bridge, S.S. Road, Guwahati – 781001(ASSAM). Tel. : 0361 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0361 - 2732937 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 040 - 23376599 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Andhra Pradesh, Telangana, Yanam and part of Territory of Pondicherry Part G JAIPUR Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇ – II Bldg., Gr. Floor▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇, Jaipur - 302 005. Tel. : 0141 - 2740363 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Rajasthan ERNAKULAM Office of the Insurance Ombudsman, 2nd Floor, Pulinat Bldg., Opp. Cochin Shipyard, M. G. Road, Ernakulam - 682 015. Tel. : 0484 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0484 - 2359336 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 033 - 22124341 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ West Bengal, Sikkim, Andaman & Nicobar Islands LUCKNOW Office of the Insurance Ombudsman, 6th Floor▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇ ▇▇▇▇▇▇, Phase-II, ▇▇▇▇▇ Kishore Road, Hazratganj, Lucknow - 226 001. Tel. : 0522 - ▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇ Fax : 0522 - 2231310 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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 - ▇▇▇▇▇▇▇▇ / ▇▇▇▇▇▇▇▇ Fax : 022 - 26106052 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ Goa, Mumbai Metropolitan Region excluding Navi Mumbai & Thane NOIDA Office of the Insurance Ombudsman, ▇▇▇▇▇▇▇ ▇▇▇▇▇ Palace 4th Floor▇▇▇ ▇▇▇▇▇, Main Road▇▇▇▇ ▇▇▇▇, Naya Bans▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇ ▇▇, ▇▇▇▇▇Distt: ▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇Gautam Buddh Nagar, ▇.▇-201301 U.P-201301 Tel.: ▇▇▇▇-▇▇▇▇▇▇▇ / 2514252 / 2514253 Email: ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ 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:- ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇▇@▇▇▇▇.▇▇.▇▇ States of Bihar & Jharkhand PUNE Office of the Insurance Ombudsman, ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇., 2nd Floor, C.T.S. No.s. 195 to 198, N.C. ▇▇▇▇▇▇ Road, ▇▇▇▇▇▇▇ ▇▇▇▇, Pune – 411 030 Tel. : 020 - 32341320 Email : ▇▇▇▇▇▇▇▇▇▇.▇▇▇▇@▇▇▇▇.▇▇.▇▇ Maharashtra, Area of Navi Mumbai and Thane excluding Mumbai Metropolitan Region SAMPLE
Appears in 1 contract
Sources: Group Income Replacement Plan