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Group Loan Insurance Policy UIN - |
Certificate of Insurance
This Certificate of Insurance is subject to the terms and conditions of the Master Policy No. ______________ issued to xxxxxx and is based on the Proposal Form duly filled and signed by the Primary Insured and payment of the Premium for the same. This Certificate records the agreement between Insured and SBI General Insurance Company and sets out the terms of insurance and the obligations of each party as below:
Certificate No: xxxxxxxx
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Servicing Branch Office: |
Issue Date:
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Intermediary Details:
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Intermediary Name |
xxx |
Intermediary Code |
xx |
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Intermediary Contact Details |
Mobile No. - xx |
Landline No. xx |
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Insured Details:
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Policy holder (Primary Insured) Name: |
xxxxxxxxxxxxxxxxxxx |
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Saving A/C No.: |
xxxxxxxxxxxxxx |
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Address |
XXXXXXXXXXXXXXXXXXXX, XXXXXXXXXXXXXXX, XXXXXXXXXXXXX XXXXXXXXX |
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Mobile Number |
Email Id: |
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Period of Insurance |
From: XX.XX Hrs XX.XX.20XX To: Midnight of XX.XX.20XX |
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Date of Birth |
DD-mmm-yyyy |
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PAN/Aadhar/Passport/Driving Licence/------- |
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Previous insurance policy no, if any |
xxxxx |
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Date of First Policy - |
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Name and Address of Financial Institution |
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Plan Opted: |
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Type of Loan |
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Loan Amount |
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Loan Account Number |
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Equated Monthly Instalment |
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Type of Cover Opted – Reducing Balance/Fixed Sum Insured |
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No. of Renewals: |
(should show renewals in count i.e. 1st ,2nd ,3rd ..) |
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Nominee (Name, Age & Relationship): |
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Guardian (Name), if any: |
MANDATORY ONLY IF NOMINEE IS A MINOR. |
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Total Sum Insured |
Total SI of all section should reflect. But in case of floater, Single SI should reflect |
COVERAGE DETAILS
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Section |
Coverage |
Yes/No |
Sum Insured |
Add on Sum Insured |
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I |
Personal Accident
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II |
Critical Illness |
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III |
Admission Benefit-Accidental |
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IV |
Group Personal Accident Hospitalization |
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Additional Condition:
In the event the Sum Insured as appearing against Section I, II & III of the Schedule of the Policy is less than the total of the actual Loan disbursed up to the date of the occurrence of the Insured Event, then the Amortization Schedule shall be calculated as if the actual Loan disbursed was equivalent to the Sum Insured. This clause will not apply to Section I and II, if Sum Insured is opted on Fixed Basis
Additional Conditions, Exclusions, Warranties: Coverage subject to the following additional
Conditions and Clauses / Endorsements / Warranties with reference to the Section that it Is applicable to
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1. |
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2. |
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3. |
Premium Computation
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Particulars |
Amount (Rs) |
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Gross Premium |
Rs. xxxx.xx |
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IGST: 18% |
Rs. xxxx.xx |
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CGST: 9% |
Rs. xxxx.xx |
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SGST: 9% |
Rs. xxxx.xx |
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Final Premium |
Rs. xxxx.xx |
Collection Details: Receipt No: xxxxxx Receipt Date: xxxxxxx
CONTACT DETAILS IN CASE OF CLAIMS
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customer.care@sbigeneral.in ; seniorcitizengrievances@sbigeneral.in (for Senior Citizens) |
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Toll Free number |
1800221111, 18001021111 |
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Website |
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Fax No |
1800227244, 18001027244 |
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TPA Details |
Name, address and website |
For complete details of Coverage & Policy Wording, kindly visit our website –
In the unfortunate event of a claim our Customer Care may be informed on the toll free numbers or email may be sent to customer.care@sbigeneral.in quoting the Certificate No. / Master Policy No. of the insured which appears on the Certificate of Insurance overleaf.
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Grievance Redressal Procedure: We value your relationship and are committed to offer you best in class service. However, if you are dissatisfied with the services rendered by us during any of your interactions with us or on resolution provided by us on your service request or complaint, we request you to register your concern with our Customer Care by following the steps mentioned below. We will acknowledge receipt of your concerns within next 72 working hours and will respond to you as soon as possible, upon completion of the investigation. Step 1: Call us at 1800-102-1111 / 1800-22-1111 (Toll-free 8:00 am to 8:00 pm - Monday to Saturday) or write to us at customer.care@sbigeneral.in . If you don't hear from us within 48 hrs please follow Step 2 Step 2: If you are not happy with the resolution provided, please write to Head – Customer Care at our Registered Office address printed overleaf. If after having followed Step 1 and Step 2 your issue remains unresolved for more than 30 days from the date of filing your first complaint, you may approach the Insurance Ombudsman for redressal of your grievance |
Waiting Periods applicable to different Sections
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Section I. Personal Accident |
Section II. Critical Illness |
Section III. Admission Benefit- Accidental Hospitalization |
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No Waiting Period |
First 90 days Waiting Period |
No Waiting Period |
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Survival Period - 28 days |
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P.S. If premium paid through cheque, the policy is void abinitio in case of dishonour of cheque.
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Signed at : xxxx
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For SBI General Insurance Company Limited
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Date : DD-mm-yyyy |
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Signatory :
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Consolidated Stamp Duty paid Rs. xx/- towards Insurance Policy Stamps vide Order No. xxxx Dated yyyy-mm-dd of General Stamps Office Mumbai.
SBIG GSTN No.: xxxxxxxxxxxx
Important Note:
Please examine this Policy including its attached Schedules/ Annexure if any. In the event of any discrepancy, contact the office of the Company immediately, it being noted that this Policy shall be otherwise considered as being entirely in order.
In case of payment by cheque, in the event of dishonor of cheque for any reason whatsoever, insurance provided under this document automatically stands cancelled from the inception irrespective of whether a separate communication is sent or not.
Any claim arising or related to consequences of the pre-existing diseases is excluded from the scope of policy cover unless the same is covered on payment of premium and coverage terms mentioned in the schedule.
This is a Contract between the Company and the Insured Person(s). The Insured Person(s) shall not transfer, assign, alienate or in any way pass the benefits and /or liabilities to any other person, institution, hospital, company or body corporate without specific approval in writing by a duly authorised officer of the company. However, if the Insured Person(s) is permanently incapacitated or deceased, the legal heirs of the insured may represent him in respect of claim under the policy.
All terms, conditions and exclusions as per standard policy wordings attached with this schedule.
PREMIUM CERTIFICATE
Certificate for the purpose of deduction under section 80-D of Income Tax(Amendment)Act,1986
Premium certificate for the purpose of deduction under section 80 - (D) of Income Tax (Amendment) Act, 1986
Transaction Id:
This is to certify that Mr/Ms/Mrs ------------------------------has paid INR --------------------- (In Words----------------------) towards the premium for Health Insurance vide Direct Credit Transaction ID/Cheque No. xxxxxxxxxx for the period from ---(DD/mm/yy)-------- To ----------(DD/mm/yy) --------Midnight for Policy No. xxxxxxxxxx
Date: For and on behalf of SBI General Insurance Company Limited
Place: Authorized Signatory
This certificate must be surrendered to the Company for issuance of fresh certificate in case of cancellation of the policy or any alteration in the insurance affecting premium.