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  • How can I contact IndiaFirst Life Insurance?

    How can I contact IndiaFirst Life Insurance?

     

     

  • What are the different modes available to send documents for any request?

    What are the different modes available to send documents for any request?

     

     

  • What should I do if I don’t get a confirmation letter for my request?

    What should I do if I don’t get a confirmation letter for my request?

    The confirmation letter will be sent to your registered address within 7-10 working days from the request processing date. In case you still do not receive the confirmation letter within the given period, you could contact us to place a request for resending the confirmation letter.

     

  • What are the charges applicable on my ULIP plan and when/ how are they deducted?

    What are the charges applicable on my ULIP plan and when/ how are they deducted?

    Following are the charges applicable on your ULIP plan:

    • Premium Allocation Charge: We deduct the premium allocation charges before we make any investments or before we apply any other charge.
    • Fund Management Charge (FMC): Fund management charge and applicable service tax are both deducted on a daily basis from the fund value before calculation of the NAV (Net Asset Value).
    • Policy Administration Charge: We deduct a monthly administration charge and applicable service tax on the first business day of each plan month by cancelling units in advance. We do this at the beginning of each monthly anniversary of the plan.
    • Mortality Charges: We deduct this charge and applicable service tax on the first business day of each plan month by way of cancellation of units.
    • Switching Charge You may make only two switches in a calendar month. We currently do not levy a switching charge. However we reserve the right to introduce charges, subject to prior notification.

    You may refer to your policy document for details of the charges applicable.

     

  • How can I find out the fund value for my policy?

    How can I find out the fund value for my policy?

     

    • Online: You can view the fund value of your policy on the dashboard and on the policy details page after you Login to the Customer Portal.
    • Email us: Mention your policy number when sending us a request to view the fund value from your registered email address to customer.first@indiafirstlife.com
    • Call us:
      • On our Toll free number 1800-209-8700 and press option 1 on the IVR.
      • Call the Toll free number and speak with our Customer Care Executive.
    • SMS: Fund policy number to 92444 92444

     

  • Where can I find the list of IndiaFirst branches and contact details?

    Where can I find the list of IndiaFirst branches and contact details?

    Please find the list here

  • Where can I find the list of Bank Of Baroda & Andhra Bank branches?

    Where can I find the list of Bank Of Baroda & Andhra Bank branches?

     

     

  • Where is the Address & Contact details of Common Service Centre?

    Where is the Address & Contact details of Common Service Centre?

    Please find the list here

  • How do I check the daily NAV?

    How do I check the daily NAV?

     

    • You can check the daily NAV here.
    • You may also login to the Customer portal to check your Current NAV and Fund Value.

     

  • Where can I find the list of companies where funds of Unit Linked Insurance policies are invested?

    Where can I find the list of companies where funds of Unit Linked Insurance policies are invested?

    You can check the Fund Fact Sheet here.

  • What is Tax Deduction at Source (TDS)?

    What is Tax Deduction at Source (TDS)?

    Tax deducted at source (TDS), as the name implies aims at collection of revenue at the very source of income. It is essentially an indirect method of collecting tax which combines the concepts of “pay as you earn” and “collect as it is being earned.” Its significance to the government lies in the fact that it prepones the collection of tax, ensures a regular source of revenue, provides for a greater reach and wider base for tax. At the same time, to the tax payer, it distributes the incidence of tax and provides for a simple and convenient mode of payment.

  • What is “Double Taxation Avoidance Agreement” (DTAA)?

    What is “Double Taxation Avoidance Agreement” (DTAA)?

    Double Taxation Avoidance Agreement (DTAA) is the agreement between two countries withan objective to avoid taxation on same income in both countries.

  • Can I avail DTAA benefit (if any)?

    Can I avail DTAA benefit (if any)?

    Yes,in case customer (payee) fulfils all the conditions prescribed in the DTAA then tax provisions as per DTAA will apply.

  • Please specify the conditions & procedure to avail the DTAA benefit by an NRI?

    Please specify the conditions & procedure to avail the DTAA benefit by an NRI?

    The Non Resident Indianhas to submit the following documents toIndiaFirst Lifeto avail the TDS rates as per DTAA:

     

    Tax Residency certificate (TRC) is the certificate duly verified and issued by the Government of the country of which NR claims to be a resident for the purpose of tax. The TRC certificate can be obtained from the Government or Tax authorities of the particular country of NR.

    A TRC should contain the following details

    • Name of the assesse
    • Status of the assesse (individual, firm, company etc.)
    • Nationality
    • Country
    • Assesse tax identification or unique identification number of the relevant country
    • Residential status for the purpose of tax
    • Validity period of the certificate
    • Address of the applicant

     

  • When will the TDS Certificate get issued?

    When will the TDS Certificate get issued?

    If an amount is deducted within the current quarter, the TDS Certificate will be issued within 45 days from the end of the quarter. In order to issue the TDS Certificate, we would require the deductee’s PAN Card number on our records.

     

  • Where can I find all servicing related request/ claim forms?

    Where can I find all servicing related request/ claim forms?

    You can find all the Request and Claim forms here.

  • How can I raise a complaint?

    How can I raise a complaint?

     

     

  • How can I check the historical bonus declared on various IndiaFirst policies?

    How can I check the historical bonus declared on various IndiaFirst policies?

    You can find the relevant information here.

  • If I cancel my policy within the free-look period, will the entire amount for my unit linked policy be refunded?

    If I cancel my policy within the free-look period, will the entire amount for my unit linked policy be refunded?

    The amount refunded will be a sum of the non-allocated premium, charges levied by cancellation of units and fund value on the date of cancellation. The deductions to the amount include:

    • Pro-rata mortality charge
    • Any stamp duty paid
    • Expenses incurred on medical examination, if any.

    This amount is adjusted by the fund performance between the date of receipt of premium and the date of cancellation.

     

  • How can I check whether I can avail cashless facility at a particular hospital?

    How can I check whether I can avail cashless facility at a particular hospital?

    You can check the current list of network hospitals here.

    Please note that the network hospital list gets updated regularly due to addition and deletion of hospitals. Hence, there is a possibility that a hospital reflecting in this list may not actually be there in the panel on a later date.

  • How can I know the hospitalisation benefits of my Mediclaim policy?

    How can I know the hospitalisation benefits of my Mediclaim policy?

    You may

     

  • Where should I send my documents for availing the reimbursement of my hospitalisation expenses?

    Where should I send my documents for availing the reimbursement of my hospitalisation expenses?

    Bills & reports should be sent to the below mentioned TPA’s address:
    IndiaFirst Life Insurance Company,
    C/O Dr. Sheela Sundar/ Dr. Smitha
    Medi Assist India TPA Pvt. Limited
    Tower ‘D’, 4th Floor, IBC Knowledge Park,
    4/1, Bannerghatta Road, Bangalore – 560 029.

  • What is the Claim process of IndiaFirst Life Insurance Company?

    What is the Claim process of IndiaFirst Life Insurance Company?

    3-Step Claim Process:

    • Step 1- Claim Registration
      Registration and submission of the required set of documents.
    • Step 2-Claim Assessment
      Claim assessors will review the documents and guide you through the process.
    • Step 3-Claim Settlement
      If the claim warrants no investigation and all the mandatory documents have been submitted, payment (if any) will be made through electronic transfer only.

     

  • How can I register a Claim with the company?

    How can I register a Claim with the company?

    Register your claim in any of the following ways:

    • Online:
      Online claim registration*
    • Email Us:
      At claims.support@indiafirstlife.com along with the soft copies of all the mandatory documents.
    • Call Us:
      Call on 1800 209 8700* and our representative will guide you through the claim registration process.
    • Visit Us:
      At the nearest Bank of Baroda or Andhra Bank Branch/FPC along with the soft/hard copies of all the mandatory documents.

     

    *Kindly note that a claim will be formally registered only after receiving all the mandatory claim documents at the head office.

  • What is the time frame within which a claim has to be reported to the company?

    What is the time frame within which a claim has to be reported to the company?

    Ideally you should report a claim within 30 to 60 days from the date of demise of the policyholder. This will help us settle your claim as soon as possible.

  • Which documents need to be submitted for processing a claim?

    Which documents need to be submitted for processing a claim?

    You can view the list of documents here.

  • Who is entitled to receive the claim benefit?

    Who is entitled to receive the claim benefit?

     

    The claim benefit can be received by:

    • The nominee or the guardian (in case the nominee is a minor), if you are the life assured
    • The proposer, in case you are not the life assured
    • Assignee, in case the policy is assigned
    • Life Assured, in case of living benefit such as maturity claim, claim under disability

     

  • What happens when there is no nomination or in case of a pre-diseased nominee at the time of the death claim?

    What happens when there is no nomination or in case of a pre-diseased nominee at the time of the death claim?

    In such circumstances, we would require the proof of title/succession certificate issued by the court. The claim would then be paid to the person specified in the said proof.

  • How much time will the company take to settle my claim?

    How much time will the company take to settle my claim?

    On receipt of all the required mandatory documents, we settle and communicate the final decision within 15 calendar days. All of our payouts are made through electronic modes.

    Claim Settlement Timelines:

    Turn Around Time IndiaFirst Life Insurance Co. Ltd. IRDAI
    Raising Requirements 5 Days 15 Days
    Non-Early cases / Non investigation cases 15 Days 30 Days
    Early cases / Investigation cases 30 Days 180 Days
  • How will I receive the claim amount?

    How will I receive the claim amount?

    The claim amount will be transferred directly to the nominee's bank account through the Electronic Clearance System.

  • How do I communicate my concerns in connection with a Claim decision?

    How do I communicate my concerns in connection with a Claim decision?

    We have a Grievance Redressal Committee. If you are not satisfied with our decision and wish to represent your case, you can send a letter addressed to the committee at:

    Grievance Redressal Officer
    IndiaFirst Life Insurance Company Ltd.,
    301, 'B' Wing, The Qube,
    Infinity Park, Dindoshi - Film City Road
    Malad (East),
    Mumbai – 400097

  • What is the procedure for a maturity claim?

    What is the procedure for a maturity claim?

    Intimation Process:
    Customers can download the form from the website and send it to us through various modes like:

     

    List of Documents:

    • Completely filled claim intimation form
    • Copy of pan card of the policy holder
    • Cancelled cheque or copy of pass book of the policy holder
    • Copy of address proof(if any change in address)
    • NRI declaration (If NRI)

     

    TAT:
    Within 48 hrs on receipt of all the mandatory documents.

  • Is NEFT mandatory for all claims?

    Is NEFT mandatory for all claims?

    Yes. As per the IRDAI circular no. IRDA/F&A/CIR/GLD/056/02/2014 dated February 13, 2014, all payouts made to customers need to be in the electronic form. Hence, NEFT details of the customers are mandatory to process the claim payouts.

  • How will a claim rejection/repudiation be communicated?

    How will a claim rejection/ repudiation be communicated?

    IndiaFirst Life Insurance Company will send a rejection/repudiation letter including the detailed reason for the rejection/repudiation of the claim to your registered address. This will also be communicated on your registered email ID and mobile number.

  • When can I add/delete a family member under the health policy?

    When can I add/delete a family member under the health policy?

    Addition of the members is allowed during the plan anniversary, immediately preceding the policy year, subject to underwriting in the event of marriage or child birth or legal adoption of a child.

    • Addition is allowed under regular premium option only
    • Deletion of other members is allowed in case of death of any member or divorce or ineligibility of cover due to age.

     

  • How can I get the Unit Statement of my Policy?

    How can I get the Unit Statement of my Policy?

    You can go to download e-statements under "I want to" section on the website to download unit statements. You can also download the same by logging on to the customer portal.

    Alternately you can

    • Email us: Send us a request on customer.first@indiafirstlife.com from your registered email ID along with your policy number.
    • Call us: On our Toll free number 1800-209-8700
    • Courier: Send us a request letter duly signed by the policy holder to our Head office addressed to Customer Service.

     

  • How can I avail a premium receipt?

    How can I avail a premium receipt?

     

     

  • What are the various charges deducted when a policy is cancelled under Freelook?

    What are the various charges deducted when a policy is cancelled under Freelook?

    For Unit Linked policies:

    • Stamp Duty charges
    • Pro-rated mortality charges
    • NAV fluctuation charges
    • Expenses incurred on medical examination, if any

    For Endowment & Term policies:

    • Stamp Duty charges
    • Pro-rated mortality charges
    • Expenses incurred on medical examination, if any

    For Health/Mediclaim Policies:

    • Stamp Duty charges
    • Pro-rated mortality charges
    • Expenses incurred on medical examination, if any

     

  • What needs to be done if the policy documents are not available with the nominee?

    What needs to be done if the policy documents are not available with the nominee?

    An indemnity letter needs to be submittedin lieu of the policy document which is lost. The indemnity letter needs to be executed on a stamp paper and duly notarised and sent to our Head office or IndiaFirst Life branches addressed to customer service. Value of the stamp paper would be as applicable in the state.

  • What are the documents required to change the Proposer on a policy?

    What are the documents required to change the Proposer on a policy?

    At the time of death of the Proposer, the Life Assured or any other beneficiary has to fulfil the following to either claim the surrender value or become a proposer of the policy.

    • Death certificate of the original proposer
    • Legal heir certificate to be issued by the Tehsildar
    • Indemnity bond on Rs. 300/- Stamp Paper from the heir in whose favour the payment has to be made.
    • No objection certificate from other Class 1 Legal heir
    • KYC documents of the New proposer or Claimant

     

    Alternately you can

     

  • How can I request for a duplicate policy document?

    How can I request for a duplicate policy document?

     

     

  • How can I update my contact details?

    How can I update my contact details?

    Click here to know the process for changing/updating your mobile number, email id, name or mailing address.

  • Can I cancel my policy? What is the procedure to do so?

    Can I cancel my policy? What is the procedure to do so?

    Yes, you can cancel your policy within 15 days if you disagree with any of the Terms and Conditions. In case of distance marketing , you can cancel your policy within 30 days from the date of receipt of the plan document. Simply return the plan to us while stating your specific objections.

    In order for us to process your request, you will need to provide:

    • A request letter or form duly filled & signed by the policy holder
    • A copy of a cancelled cheque with the policy holder’s name and account number printed. In case the copy of the cancelled cheque does not have the policy holder’s name printed on it, a copy of the bank statement will be required

     

    You can send us the letter and cheque via:

     

  • How can I correct my date of birth?

    How can I correct my date of birth?

     

     

    Kindly attach/enclose/carry a copy of your standard age proof, such as your PAN Card, passport, school leaving certificate, driving license or birth certificate. Please ensure that the date of birth mentioned on the age proof is the same as on the change request form.

  • Can I change my Plan?

    Can I change my Plan?

    Yes, you can change your plan within 15 days (free look period) if you disagree with any of the terms and conditions. In case of distance marketing, the free look period is 30 days from the date of receipt of your plan document.

    Simply return the plan to us while stating your specific objections.

    In order for us to process your request, you will need to provide:

    • A request letter duly written &signed by the policy holder
    • A fresh application form (Common Proposal Form), if you wish to apply for a different plan
    • A benefit illustration (wherever applicable)

     

    You can send us these documents via:

     

    Please Note: There may be a requirement for additional premium as there are charges such as stamp duty, mortality and NAV Fluctuation (in ULIP) that are deducted for certain cases. It will be communicated to you (if required) once your documents are reviewed. For requests received before 3.00 pm on a working day, the NAV of the same day will be applicable. For requests received after 3.00 pm, the NAV of the next working daywill be applicable.

  • How can I request for a top up on my policy?

    How can I request for a top up on my policy?

    To top up your policy, you will need to make a payment at your nearest IndiaFirst, Andhra Bankor Bank of Baroda branch. Once done, kindly provide us with the documents mentioned below:

    • Request letter or form duly signed by the customer mentioning the top up amount.
    • Proof of payment i.e. a bank statement

     

    Please Note: For requests received before 3.00 pm on a working day, the NAV of the same day will be applicable. For requests received after 3.00 pm, the NAV of the next working day will be applicable.

  • In case I have paid an excess premium, what is the procedure to request for a refund?

    In case I have paid an excess premium, what is the procedure to request for a refund?

     

     

    Please note: You will need to attach/enclose/carry a request letter duly signed by the policy holder and a bank statement confirming the debit of the premium.

  • Can I avail of a loan against my existing policy?

    Can I avail of a loan against my existing policy?

    Yes, you can avail of a loan against your policy. However, this feature is available only on certain products. Kindly refer to your policy documents for details.

  • What are the documents required for applying for a loan?

    What are the documents required for applying for a loan?

    We would require the following documents:

    • Loan Application form
    • Original policy document
    • A copy of a cancelled cheque with the policy holder’s name and bank a/c number mentioned.

     

    Here’s how you can send us the above documents:

    • Courier: Mail the request letter and documents to our Head Office addressed to customer service
    • Visit us: Walk in to any of our IndiaFirst, Andhra Bank or Bank of Baroda branches

     

    Please note: The rate of interest applicable will be equal to the SBI Base Rate + 7%. The original policy document is mandatory as the policy gets assigned to IndiaFirst Life and it needs to be submitted/delivered at our branch/head office. For requests received before 3.00 pm on a working day, the NAV of the same day will be applicable. For requests received after 3.00 pm, the NAV of the next working day will be applicable.

  • Can I assign my policy?

    Can I assign my policy?

    Yes, you can assign your policy. By assigning your policy, you will be transferringyour rights, title and interest in a life insurance policy to another person. This is usually done in order to provide security for a loan or to secure the financial interest of the other person. After the insurance policy is assigned, the assignee is set to receive the benefits from it.

  • What are the documents required for assignment?

    What are the documents required for assignment?

    We would require the following documents:

    • Assignment Form& Notice of Assignment duly signed by the Assignor & attested by the assignee
    • In case of third party assignment, a letter duly signed along with the KYC documents of the assignee i.e. identity proof, Address proof, snap and income proof
    • The original policy document

     

    Here’s how you can send us the above documents:

     

  • How can I correct or change my nominee’s details in my policy?

    How can I correct or change my nominee’s details in my policy?

    Click here to know the process for changing/correcting nominee details in your policy.

  • In case my policy has lapsed, how can I revive it?

    In case my policy has lapsed, how can I revive it?

    If the policy has lapsed within the revival period, you can revive it by paying the outstanding premium along with the interest/reinstatement fees (if applicable). You can make the payment at your nearest IndiaFirst Life/Andhra Bank/Bank of Baroda branch. Click here to view the list of branches

    In case your policy has lapsed for more than 180 days from the due date, a Declaration of Good Health form duly signed by the Life Assured will also be required.

    Here’s how you can send us the above documents:

     

    Please note: You may refer to your policy document to check if your policy falls within the revival period as per the terms and conditions of the plan.

  • How can I surrender my policy?

    How can I surrender my policy?

    You may request for a surrender of your policy at any time after completion of the lock-in period. You would need to submit the following documents:

    • Surrender Request form duly signed
    • Bank account proof, i.e. a copy of your bank statement, passbook or cancelled cheque with your name and account number printed on it.
    • PAN Card Copy
    • NRI Declaration form in case the policy holder is an NRI
    • Non NRI Declaration along with copy of all pages of the latest passport (including blank pages) in case the policy holder was an NRI while applying for the policy, but is currently a resident of India.

     

    Here’s how you can send us the above documents:

     

  • How can I add an additional member to my existing IndiaFirst health plan?

    How can I add an additional member to my existing IndiaFirst health plan?

    You may add your spouse or child to the policy by simply submitting a request. This request must be made 30 days prior to the next policy anniversary from the year in which the marriage or child birth has occurred. For addition of a new born baby, the child needs to be 90 days or older before you can make an application to add him/her to the policy.

    You would need to submit the following documents:

    • A Request Letter duly signed by the policy holder
    • A Fresh Application form
    • Standard age proof of the new member e.g. driving license, passport copy, PAN card, birth certificate etc.
    • Marriage Certificate in case of addition of a spouse
    • Birth certificate incase of addition of a child.

     

    Here’s how you can send us the above documents:

     

  • How can I delete a member from my existing IndiaFirst health plan?

    How can I delete a member from my existing IndiaFirst health plan?

    You would need to submit thefollowing documents:

    • A Request Letter duly signed by the policy holder
    • Divorce Decree / Death Certificate

     

    Here’s how you can send us the above documents:

     

  • How can I request for a fund switch?

    How can I request for a fund switch?

    Click here to know the process for a fund switch.

  • What are the different modes of Premium payment options?

    What are the different modes of Premium payment options?

    Click here to know the different modes of premium payment.

  • How can I deactivate my existing ECS facility?

    How can I deactivate my existing ECS facility?

     

    Please note:ECS deactivation is not allowed for monthly cases. The request needs to be given 30 days prior to the due date.

     

  • How can I change the billing frequency / premium method?

    How can I change the billing frequency / premium method?

     

    Please note: In case you wish to opt for a monthly or ECS facility, kindly attach/enclose/carry an Electronic Clearing System (ECS) mandate form, completely filled and duly attested by the bank. Billing frequency can be done only within 30 days before the policy anniversary.

     

  • How can I request for a Premium Redirection?

    How can I request for a Premium Redirection?

     

    Please note: You may request for premium redirection at any time after completion of the first policy year.

     

  • How can I register on the customer portal?

    How can I register on the customer portal?

    Click here to register on the customer portal

  • In case of any login issues how can I resolve it?

    In case of any login issues how can I resolve it?