A death claim is a claim arising out of the death of the policy holder within the term of his/her policy.

Death Claim cases of PLI/RPLI may be classified into following types:

•  Based on the period of the Insurance Policy: -

  •  Claims where Death occurs after completion of 3 years from the date of acceptance of proposal or date of revival of policy, whichever is later.
  •  Claims where death occurs before completion of 3 years from the date of acceptance of proposal or date of revival of policy, whichever is later.

• Based on cause of Death of the Insurant
  •  Natural Death- All deaths except death by suicide, murder or accident.
  •  Un-natural death-Death due to suicide, murder or accident.

Death Claim Application- may be obtained from nearest Post Office/CPC or may be downloaded from India Post website, PLI website or PLI Customer Portal

Make sure to fill the form correctly viz. policy details, policy number, name of insurant, sum assured, date of acceptance, date of survival benefit due (if any), date of maturity, loan particulars (if any), details of death of insurant viz. date of death, cause of death, place of death, details of claimant viz. name of claimant, age of claimant, relationship of claimant with insurant, proof of relationship, contact particulars etc., account details etc. supported by following documents: -

•  Original Policy Bond or Letter of Indemnity.

•  Self-Attested copy of Death Certificate (issued by Local Administration/register of local board/village panchayat/Medical Practitioner or Certificate of Doctor, who last attended the insurer clearly mentioning reason of death)

•  Self-Attested Post-mortem report (in case of unnatural death of Insurant)

•  Self-Attested copy of Succession Cert./Letter of Administration/Probate of Will, if nomination is not available

•  Self-Attested copy of ID proof of the Claimant(s)

•  Self-Attested copy of address proof of the Claimant(s)

•  Self-Attested copy of FIR (in case of unnatural death of Insurant)

•  Cancelled Cheque of Claimant(s) Bank Account(s) for Bank Mandate

•  Documents of Credit or Premium Receipt Book (D.O.C. if Pay policy or Premium Receipt Book if Cash Policy and all the paid premium not updated on McCamish Software)

•  Loan Receipt Book (if Loan taken on Policy)

•  Indemnity Bond (in case of Unantural death)

•  Any other document, if required

Death Claim cases can only be submitted by depositing at nearest Post Office anywhere

Get duly filled-in and signed 'Acknowledgement Slip' as proof of submission from the official/office where Claim Application is submitted

Promptly respond to communication, if any, from Department of Posts asking for missing/additional documents/information

In certain cases, investigation will be done. Kindly co-operate

The obtained amount shall be remitted directly on to beneficiary bank or post office account/or through cheque.

For queries on your application call 1800-266-6868

Maturity/Survival Benefit Claim of a policy arises on completion of term of the policy as per the features of that particular plan.

Maturity/Survival Claim Form may be obtained from nearest Post Office/CPC or may be downloaded from India Post website, PLI website or PLI Customer Portal

Make sure to fill correct policy details viz. policy number, name of insurant, sum assured, date of acceptance, premium frequency, date of survival benefits due (if any), date of maturity, loan particulars (if any), communication address, DDO details (in case of pay recovery policies), Account details etc. supported by following documents: -

•  Original Policy Bond or Letter of Indemnity

•   Self-Attested copy of ID proof of the insurant

•   Self-Attested copy of address proof of the insurant

•   Document of credit/ Premium Receipt Book (D.O.C if pay policy or Premium Receipt Book if Cash Policy and the paid premium not updated on McCamish Software)

•  Loan Receipt Book (if outstanding loan amount as mentioned in Intimation letter and Loan receipt book differs)

•  Cancelled cheque of Insurant Bank Account for Bank Mandate or self-attested copy of POSB passbook

In case messenger in appointed by insurant for submission of Maturity Claim Form: -

•  Self-Attested copy of ID proof of messenger

•  Self-Attested copy of Address proof of messenger

•  Self- Attested medical certificate of insurant from Govt. Hospital/Govt. Accredited Hospital or Self-Attested copy of passport clearly showing visa details and date of departure from India (in case insurant is unable to visit post office being medically unfit or outside India, as the case may be)

Get duly filled-in and signed 'Acknowledgement Slip' as proof of submission from the official/office where Maturity/Survival Claim Form is submitted

Promptly respond to communication, if any, from CPC asking for missing/additional documents/information

For queries on your application call 1800-266-6868

Loan may be taken against (i) WLA and Convertible WLA policies after completion of 4 years and (ii) EA and YS policies after completion of 3 years. However, Loan is not available in AEA and Children policy.

Policies may be assigned by the policyholder either for valuable consideration, loan against policy or by way of gift

Loan Application/Assignment/Re-assignment Form- may be obtained from nearest Post Office/CPC or may be downloaded from India Post website, PLI website or PLI Customer Portal

Make sure to fill the form with correct policy details viz. policy number, name of insurant, sum assured, date of acceptance, date of maturity, amount of loan required, purpose for which loan is required, details of previous loan taken on the policy, missing credits, communication address, office address of DDO (for pay recovery policies only), account details etc. supported by following documents: -

•  Self-attested copy of Policy Bond

•  Document of credit (in case of pay policy) or premium receipt book (in cash policy) {In case, any premia payment is made in addition to the details available in loan quote

•  Self-Attested copy of ID proof of the Insurant

•  Self-Attested copy of address proof of the insurant

•  Loan repayment receipt book (in case any loan re-payment is made in addition to the detail available in loan quote)

•  Cancelled Cheque of Insurant Bank Account for Bank Mandate or self-attested copy of POSB Passbook first page

In case messenger in appointed by insurant for submission of Loan application form: -

•  Self-Attested copy of ID proof of messenger

•  Self-Attested copy of Address proof of messenger

•  Self- Attested medical certificate of insurant from Govt. Hospital/Govt. Accredited Hospital or Self-Attested copy of passport clearly showing visa details and date of departure from India (in case insurant is unable to visit post office being medically unfit or outside India, as the case may be)

•  Any other documents, as required.

Correct and complete filling up of Loan Application/Assignment/Re-assignment Form

Submission of duly filled-in Loan Application/Assignment/Re-assignment Form, along with all relevant documents, at any Post Office/CPC

Get duly filled-in and signed 'Acknowledgement Slip' as proof of submission from the official/office where Loan Application/Assignment/Re-assignment Form is submitted

Promptly respond to communication, if any, from CPC asking for missing/additional documents/information

For queries on your application call 1800-266-6868

Surrender facility is available after 3 years in case of WLA, EA, CWLA and YS policies. No surrender facility is available in case of AEA and Children policy. Surrender value depends on the surrender factor, type and term of policy. Surrendering any policy is always a loss. Bonus on the reduced sum assured is paid only if the policy is surrendered after 5 years.

Application for Surrender - may be obtained from nearest Post Office/CPC or may be downloaded from India Post website, PLI website or PLI Customer Portal

Correct and complete filling up of Application for Surrender along with following documents: -

•  Original Policy document

•  Loan repayment Receipt Book relating to previous loan, if any

•  Premium receipt book (in case of cash policies)

•  Certificate of Pay disbursing Officer regarding recovery of premia from the pay for the last six months (for pay policies)

•  Any other document, if required

Submission of duly filled-in Application for Surrender, along with all relevant documents, at any Post Office/CPC

Promptly respond to communication, if any, from CPC asking for missing/additional documents/information

If the premia are not paid for 6 months in case of policy within 3 years, (or) 12 months in case of policy more than 3 years, then the policy becomes lapsed. This needs revival to make it active. Revival may be on any number of occasions during entire term of the policy, provided a period of consecutive 5 (five) years should not have passed from the date of fi�rst unpaid premium. After credit of due premium with interest @12% per annum and a good health certificate, the policy can be revived. Revival amount may be paid in one lumpsum or in convenient instalments not exceeding 12 instalments

Application for Revival - may be obtained from nearest Post Office/CPC or may be downloaded from India Post website, PLI website or PLI Customer Portal

Correct and complete filling up of Application for Revival supported with Medical Certificate in prescribed proforma.

Submission of duly filled-in Application for Revival, along with all relevant documents, at any Post Office/CPC

Promptly respond to communication, if any, from CPC asking for missing/additional documents/information

For queries on your application call 1800-266-6868

Conversion of PLI/RPLI policy means any alteration affecting the date of maturity of contract of insurance and includes not only alteration from WLA to EA but also ante-dating or post-dating of the maturity of an EA policy and consequent increase/decrease of premium.

Application for Conversion - may be obtained from nearest Post Office/CPC or may be downloaded from India Post website, PLI website or PLI Customer Portal

Correct and complete filling up of Application for Conversion supported by following documents: -

•  Policy document

•  Premium receipt book (for cash policies)

•  Certificate of disbursing officer regarding recovery of premia from pay for last six months (for pay recovery policies)

Submission of duly filled-in Application for Conversion, along with all relevant documents, at any Post Office/CPC

Promptly respond to communication, if any, from CPC asking for missing/additional documents/information

For queries on your application call 1800-266-6868

Please provide mobile number and e-mail address for getting the timely information about status of your claim.

Please provide bank account details correctly for quick disbursement of claim amount directly into the account through NEFT.

If policy holder is unable to visit Post Office for submitting his documents being medically unfit or being abroad, he may authorize a messenger for submission of claim along with prescribed necessary documents.

Claimant should produce all original documents at the time of submission, which will be returned after comparing. However, original Policy Bond and Premium Receipt Book if any will be retained.

For queries on your application call 1800-266-6868

                PLI - Postal Life Insurance

                RPLI - Rural Postal Life Insurance

                CPC - Central Processing Center

                DDO - Drawing and Disbursing Officer

                POSB - Post Office Savings Bank

                WLA - Whole Life Assurance

                CWLA - Convertible Whole Life Insurance

                EA - Endowment Assurance

                YS - Yugal Suraksha

                AEA - Anticipated Endowment Assurance