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This section is designed to give you information that you may require incase you wish to make changes in Personal details or Policy details in your existing policy. The changes that you can avail of are:
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Change in Personal Details
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| Changes you can avail of are: |
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| To make these changes |
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| Change in Policy Benefits |
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The policy changes that you can avail of are: |
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Change in frequency of premium payment |
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Reduction in the level cover/premium of your policy |
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Removal of additional benefits (Riders) |
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Reduction in term of the policy |
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| To make any of the above listed changes, you need to |
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Fill up the Alteration Form and send it to your nearest branch atleast 15 days prior to next premium due date |
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Please note these changes can be made for ‘In-force’ or ‘Paid-up’ Policies only |
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Conditions apply |
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| In case of unit linked policies in addition to the above you can also avail of the following: |
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| Others |
| This section gives you details that you require in case: |
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| Issue of a Duplicate Policy |
Incase you have misplaced your policy document we can issue you a duplicate policy document
You need to send us |
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An application for Issue of duplicate policy. Click here to download the application form |
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A copy of FIR lodged with the local police station |
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Indemnity and affidavit for loss of policy documents. Click here to download the format of Indemnity and Affidavit |
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Lost policy fee towards the stamp duty to be paid to the government, which is calculated at Rs. 20/- per lakh sum assured. In case you have also opted for additional term benefit (ATB) rider then an additional charge of Rs.20/- per lakh of ATB sum assured will be added |
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Incase of a damaged policy document, the original document with a
letter |
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| Look- in |
| Once you receive the policy documents, we advise you to go through the details and understand the terms and conditions of your policy. Incase you want to clarify any aspect of your policy; you can speak to your financial consultant or contact us at any of our branches. If you think that your policy does not suit your needs you can request for cancellation within 15 days of receipt of policy document.
All you need to do is:
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Please return the policy document to your nearest branch along with a letter explaining your reasons |
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We will refund your premium paid, after deducting the expenses incurred by us on |
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Medical tests conducted by us before issuance of the policy |
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Stamp duty paid by us to the government on your policy |
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Risk cover provided during this period |
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Adverse movement of unit prices, in case of unit linked plans |
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| In case, you wish to opt for another insurance plan during the look-in period which is more suited to your needs, all you need to do is: |
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Please submit a fresh proposal form along with the original policy documents and a letter stating the change |
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We will transfer the net premium amount (after deduction of applicable charges as stated above) towards part of the premium payable for the fresh proposal. Balance amount, if any, will be refunded to you |
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Call us at 1800-228-228 