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Exceptional Customer Support
I appreciate your help in patiently explaining all the details related to the policy and helping me download the forms from your website.
Vinay Kumar Verma
(Mumbai, 16th June 2022)
Amazing Customer Service Team
Your Customer Service team is amazing. I required an invoice urgently to submit to my HR, and as promised by your team I received my invoice on the committed date.
Jathin Rao
(Karnataka, 7th March 2022)
Excellent Problem-Solving Skills
The Customer Service team of IndiaFirst Life Insurance is excellent. The staff understands the problems of the customers and they have a very cooperative & helping nature.
Ziauddin Malik
(Uttar Pradesh, 4th March 2022)
Tax benefits may be available on premiums paid and benefits receivable as per prevailing Income Tax Laws. These are subject to change from time to time as per the Government Tax laws. Please consult your tax consultant before investing.
Fraud, Misrepresentation and forfeiture would be dealt with in accordance with provisions of Sec 45 of the Insurance Act 1938,as amended from time to time.
Indisputability Clause: Extract of Section 45 of the Insurance Act 1938, as amended from time to time states
1) No policy of life insurance shall be called in question on any ground what so ever after the expiry of three years from the date of the policy, i.e.,from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy,whichever is later.
2) A policy of life insurance maybe called in question at any time within three years from the date of issuance of the policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy, whichever is later, on the ground of fraud: Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision is based.
3) Not with standing anything contained in subsection (2), no insurer shall repudiate a life insurance policy on the ground of fraud if the insured can prove that the mis-statement of or suppression of a material fact was true to the best of his knowledge and belief or that there was no deliberate intention to suppress the fact or that such mis-statement of or suppression of a material fact are within the knowledge of the insurer: Provided that in case of fraud, the onus of disproving lies upon the beneficiaries, in case the policyholder is not alive.
4) A policy of life insurance may be called in question at any time within three years from the date of issuance of the policy or the date of commencement ofrisk orthe date ofrevival of the policy orthe date of the rider to the policy,whichever is later,on the ground that any statement of or suppression of a factmaterial to the expectancy of the life of the insured was incorrectly made in the proposal or other document on the basis of which the policy was issued or revived or rider issued: Provided that the insurer shall have to communicate in writing to the insured or the legal representatives or nominees or assignees of the insured the grounds and materials on which such decision to repudiate the policy of life insurance is based: Provided further that in case of repudiation of the policy on the ground of misstatement or suppression of a material fact, and not on the ground of fraud, the premiums collected on the policy till the date of repudiation shall be paid to the insured or the legal representatives or nominees or assignees of the insured within a period of ninety days from the date of such repudiation.
5) Nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the Life Insured was incorrectly stated in the proposal.
Waiting period under different cover options is applicable as follows:
Cover Option/ Event Daily Hospitalization Cash Benefit (DHCB) | Waiting Period (in days) 30 (not applicable on hospitalization due to accident) |
|---|---|
| Broken Bones Cover | Not Applicable |
| Disability Cover | Not Applicable |
| Cancer Cover | 180 |
| Vector Borne Diseases Cover | 30 |
| Coronavirus Cover | 15 |
Waiting Period is not applicable from second policy period onwards in case of continuous renewal of the policy.
For Cancer Cover option, Survival period of 5 days is applicable, i.e. for a claim to be eligible;the life insured should have survived for a period of 5 days from the date of diagnosis of Early/Advanced Stage Cancer.
Prohibition of Rebate: Section 41 of the Insurance Act, 1938, as amended from time to time, states
1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person, to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the Policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.
2) Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.
You the Master Policyholder/Member can return this Policy Documentif you disagree with any of the terms and conditions within the first 15 days for all channels except Distance Marketing or electronic mode where it is 30 days from receipt of your Policy Document / Certificate of Insurance. You are required to send us the Policy Document / Certificate of Insurance and a written request stating the reasons for cancellation. In case there is any claim paid out during this period, Master Policyholder/ Member shall not be eligible to free-look the policy.
Do you get any refund when you cancel your policy?
Yes. We will refund an amount within 15 days of receipt of the request equal to the –
Premium paid
Less: i. Pro-rata risk premium and rider premium, if any for the time the policy was in force
Less ii. Any stamp duty paid
Less iii. Expenses incurred on medical examination, if any
Distance Marketing includes every activity of solicitation (including lead generation) and sale of insurance products through the following modes: (i) Voice mode, which includes telephone calling; (ii) Short Messaging service (SMS); (iii) Electronic mode which includes e-mail, internet and interactive television (DTH); (iv) Physical mode which includes direct postal mail and newspaper & magazine inserts; and, (v) Solicitation through any means of communication other than in person.
Grace period means the specified period of time immediately following the premium due date during which a payment can be made to continue a policy. If a valid claim has occurred during grace period, then the chosen benefit will be paid after deducting due premium. 15 days of grace period will be allowed under monthly premium mode and 30 days for all other premium modes, wherever applicable.
In case of renewal of the policy 30 days grace period is allowed to the Master policyholder/member in force without loss of continuity benefits such as waiting periods. If a claim has occurred during this grace period (i.e the grace period between previous policy end date and renewal policy commencement date), then the chosen benefit will not be paid.
In case of non-payment of premium within the grace period for non-annual premium payment mode,the policy lapses and cover ceases on expiry of the grace period. There is no revival in this fixed benefit health insurance policy as this is an yearly renewable product.
There is no maturity benefit payable under the policy.
There is no surrender benefit under this policy.
However, you, the Master Policyholder can surrender the Policy anytime. In case of surrender of the policy within the policy period, the member shall get an option to continue the policy as an individual policy till their coverage is terminated as per Certificate of Insurance.
By “terminal date” we mean the cover ceasing date. i.e. In case the member is not eligible for further coverage based on the scheme rules, the premium for that member will not be paid. Consequently, the cover will cease.
The insurance coverage will also cease at the earliest of:
1. Member with age 66 years as on last birthday for Cancer Cover & Coronavirus Cover and 80 years for other cover options
2. Termination of contract with the Master Policyholder and member does not wants to continue as individual member till end of term as per Certificate of Insurance
3. Non-payment of regular premium during the grace period
4. Occurrence of death of the member
5. DHCB for the child on attaining age 25 years
There is no death benefit payable on death of the member till the end of policy term or prior to terminal date. If death occurs before registering the claim for any benefit eligible as per the plan option chosen, then the same will be paid to the nominee/ appointee/ legal heir.
Tailored for groups it stands as a group protection insurance. This group life insurance offers security for all.
Tailored to meet diverse healthcare needs, this corporate health plan ensures financial security during hospitalisation, disabilities, critical illnesses, and more!
BEWARE OF SPURIOUS PHONE CALSS AND FICTIOUS/FRADULENT OFFERS
IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
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12th and 13th Floor, North [C] wing, Tower 4, Nesco IT Park, Nesco Center, Western Express Highway, Goregaon (East), Mumbai – 400063.
IRDAI Information
IRDAI Regd. No. 143 | CIN: U66010MH2008PLC183679Trade logo displayed above belongs to one of our promoters and shareholders, Bank of Baroda and are used by IndiaFirst Life Insurance Company Limited under License.
For more details on risk factors, associated terms and conditions and exclusions please read the product brochure before concluding a sale.
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