Our Promise

Consumer Obsession is a way of life and doing business for us. We want to enable dreams and inspire healthier and happier lives. We place customer needs at the heart of our decision-making processes and our promise is to serve you in a proactive and empathetic manner. By delivering smart, need based products, driving change and innovation and making our services more intuitive we uphold our promise to empower you to know more, live more and protect your loved ones more.

Servicing Turnaround Time as prescribed by IRDAI

While we would like to serve you in the fastest and the fairest way possible, sometimes, we need time to do what is right by you. Our servicing turnaround times are just indicative of how we work to make sure your request is our command.

On-boarding process

Process	Maximum turnaround time
Processing of new business proposal, and communication of decision including requirements	15 Days
Policy issuance	15 Days
Dispatch of policy document including copy of the proposal	30 Days

Service requests

All service requests (Excluding claim and payouts that are specifically detailed below)

7 Days

Payout processing

Free-look cancellation and Premium Refund of New policy from date of cancellation	7 days
Surrender value, Loan, Partial Withdrawal & Refund	7 Days

Disclaimer** All payouts are contingent upon successful completion of mandatory KYC verification

Claim processing

Annuity payouts	On due date
Processing of Maturity claim payouts (Traditional policy)	On maturity date
Processing of Maturity claim payouts (ULIP policy)	7 days
Death claims (without investigation)	15 days from the date of intimation of claim
Death claims (with investigation)	45 days from the date of intimation of claim

Disclaimer** All payouts are contingent upon successful completion of mandatory KYC verification

Health claims

Health claim decision (without investigation)	30 Days
Health claim decision (with investigation) — To complete investigation Health claim after investigation - Processing payout from date of receipt of last necessary document is 45 days	30 Days 45 Days

Grievance Redressal

Acknowledgement	1 day
Resolving a grievance	2 weeks
Closure of the grievance	A complaint shall be considered as disposed of and closed:- The company has acceded to the request of the complainant fully Where the complainant has indicated in writing, acceptance of the response of insurer Where the complainant has not responded to the insurer within 8 weeks of the Company’s 1st written response.