Contact Numbers

To know your policy details, call up on 1251

For complaints regarding your policy/ies, please contact the Telephone Numbers given below, during normal working hours (from 8.00 AM to 8.00 PM except Sundays and Holidays).

Contact Numbers
Info-Center Locations	Contact No.
New Delhi	011 - 2332 9595
Mumbai	022 -2612 5555
Kolkata	033 - 23341765,23211893/94/95
Chennai	044 - 28602626/28602929
Hyderabad	040 - 2329 7455
Bangalore	080 - 2248 5210
Pune	020 - 2553 6161
Ahmedabad	079 - 2550 7777

NRIs Center

LIC offers its services to Non Resident Indians (NRI) as well as to people of Indian Origin(PIO) having foreign nationality and residing in Foreign countries.

• In Indian currency through its Offices in India
• In foreign currency through its various overseas branch offices and subsidiaries
• Existing policies completed before leaving India will continue as valid policy in India currency and premium can be continued through different modes listed below. NRI questionnaire is required to be submitted

Frequently Asked Questions (FAQs) by NRIs

Financial Services for NRIs

Financial Services for NRIs

Insurance to Non-Resident Indians and Foreign national of India Origin.

LIC Housing Finance Ltd. Offers specially designed Housing Loan Schemes to NRIs.

LIC Mutual Fund Schemes : Investment Opportunity to NRIs.

Insurance in foreign currency from foreign offices and subsidary companies.

Questionnaire for Non Resident Indians.(Word Format).

Insurance to Non-Resident Indians and Foreign national of India Origin.

Indian Currency policy:

Insurance to Non Resident Indians and Foreign Nationals of Indian Origin from any of our 2048 Branches in India in Indian Currency:


ELIGIBILITY CRITERIA

NRIs holding valid passport issued by the Govt. of India and who are INDIAN NATIONAL can take L.I.C. policies in Indian Rupee currency from any of our 2048 Branches in India.
We also entertain proposals for Life Insurance in Rupee currency from persons of Indian origin who have acquired foreign nationality / green card holders. ons.

• On their visit to India. All the formalities of proposal completion, medical examination reports/Special reports and Moral hazard report are required to be completed during their stay in India.
• From their present country of residence through Mail Order Business. All the formalities of proposal completion, obtaining medical & special reports etc are to be completed in the present country of residence. (Applicable to NRIs only)
  
  (subject to some conditions)

WE OFFER YOU:

• Financial Security to you for covering RISK on your LIFE.
• Financial SECURITY to the couple.
• Plan to guarantee EDUCATION of your Children.
• Plan to provide for MARRIAGE of daughters.
• Plans to provide for PENSION in OLD AGE.
• Plans providing PERIODICAL PAYMENTS to meet special needs during LIFE TIME.
• Plans for Housing Loan from LIC Housing Finance Ltd. to build your DREAM HOUSE.
  
  

  (subject to some conditions).

SELECTING A PLAN

To select a plan as per your needs, please choose from the "Schemes" and then from"Plans", on our WEBSITE.

HOW MUCH TO PAY?

Please click on "Premium Calculations" to get instalment premium for the selected plan at your age, for the sum to be assured and the term for which policy is desired. Facility for payment of premium in Quarterly, Half yearly and Yearly modes are available.

HOW TO APPLY? ( For Mail Order From NRIs)
To obtain insurance on your own life, use "Proposal for Insurance on Own Life" which you can conveniently download right away from option "On Line Forms" For other plans, please download appropriate Proposal Form from the option "On Line Forms". Kindly complete the Non-Resident Questionnaire available at "On Line Forms".

COMPLETION OF POLICY ( For Mail Order From NRIs)

Please read carefully 'Completion of Proposal Form' and 'Medical Examination Procedure' for completion of documents request your Medical Examiner to send his Medical Report. Enclose copy of your PASSPORT towards age. Other Proposal papers and Full deposit towards the First Premium by AIR MAIL directly to the Branch / Divisional Office convenient to you for underwriting and completion of policy. Please hand over a Stamped envelope with the address of the office of the Corporation to the Doctor for Dispatching papers.

For Email address of our Zonal / Divisional Offices, please select the option "Contact us" on this web site. You can get POSTAL ADDRESS from Zonal / Divisional Office.

REMITTANCE OF PREMIUM

1. The Reserve Bank of India permits payment of premium in one of the following ways
   By payment out of funds held in Non-Resident (External) or Foreign currency (Non- Resident ) Account with Bank in India.
2. By cheques drawn by non-Resident policy holder on Bank Accounts held in India in his Own name (either solely or jointly) with another member of the family) whether or not the Account has been designated as non-resident.
3. By cheque drawn on account maintained by resident parent or spouse of policyholder in Their own name or joint names with other close relatives.
4. By the absolute Assignee in India wherever such policies have been absolutely
   assigned To a resident in India.
5. By the employers in respect of policies issued to their employees who have been deputed Abroad by them .
6. Premiums can be paid in cash by a resident parent or spouse of the non-resident Policyholder subject to his/her submitting a letter stating the relationship with the Policyholder.
7. Premiums due on policies issued to Indian students who have gone abroad for higher Studies may be collected in Rupees out of the Resident Bank Account in India or any of their representatives in India by cash or cheques.

SETTLEMENT OF CLAIMS

Claims of any nature arising under the policy will be settled in Indian currency in India. The payment of policy moneys in foreign currency can be made proportionate to the premiums paid in foreign currency by direct Remittance or from the Non Resident (External) Account or Foreign currency Non Resident Account with a Bank in India.





LIC Housing Finance Ltd. Offers specially designed Housing Loan Schemes to NRIs

LIC Housing Finance Ltd. Incorporated on 19th June, 1989 under the Companies Act, 1956, in which LIC of India holds 38.43 % of shares, offers Housing Loan to inviduals by providing finance to construct / purchase residential house/flat. Assistance is also provided for extension / rennovation of residential unit.

GRAH SHOBHA SCHEME: Loan for NRIs

PURPOSES:

Loans are available for

Construction of new house / flat

Purchase of an already built (even old) house / flat

Extension to a house / flat

For Further details visit the Website of LIC Housing Finance Ltd.: www.lichfl.com





LIC Mutual Fund Schemes: Investment Opportunity to NRIs.

LIC Mutual Fund set up in June, 1989 as a separate Trust by L.I.C of India aims at Providing accessibility of various investment media (shares, debentures, bonds, etc.) to all sections of Investors.

A Mutual Funds pools saving from numerous Investors (who buy Units) and invests them in diversified securities in the capital market in order to optimise the return, safety and liquidity for the maximum benefits to Investor.

HELPLINE:
Should you need any more information including Reserve Bank of India restrictions visit Website of LIC MUTUAL FUND: www.licmutual.com

Policies in Foreign Currency:

In India, we market Life Insurance policies in Rupee currency only. · Our foreign offices, viz. U.K., MAURITUS & FIJI issue policies in local currencies to LOCAL NRI.

UNITED KINGDOM( In Sterling pound) York House, 13th Flr, Empire Way, Wembley, Middlesex, HA9-OPX, U.K. ISD Code No. 0044, Fax No. 20-8902-5281 Tel.: 20-8902-5294 E-mail: cmgr@liciuk.com E-Mail: enquiry@licuk.com Website: www.liciuk.com Mr. Saji Paul, Chief Manager, FIJI ( In Fijian Dollar) LICI House, Butt Street, GPO Box 266, Suva, Fiji. ISD Code No.679. Tel.:3314011 E-Mail : lici@connect.com.fj Website: www.licfiji.com. Mr. N. Krishnan, Chief Manager E-Mail: n.krishnan@licifiji.com.fj Lautoka Branch Office 5, Tui Street, Victoria Parade P.O.Box 789, Lautoka, Fiji. ISD Code No.679 Tel.: 6651923/ Fax No.6651984 E-Mail: liciltka@connect.com.fj MAURITIUS ( In Mauritius Rupee) LIC Centre, President John Kennedy Street, P.O.Box:310 Port Louis, Mauritius. ISD Code No.230 Tel.:2125316/2110465 E-Mail : liccmm@intnet.mu Website:licmauritius.intnet.mu T.C.Susheel Kumar, Chief Manager LIC Mauritius Offshore Ltd. Address: LIC Centre, Port Louis, Mauritius. KENYA Kenindia Assurance Co.Ltd., 10th floor, Kenindia House, P.O.Box No.30377, Nairobi, Kenya. ISD Code No.25420 Tel.: 333100 /Fax No.214662 E-mail: life@kenindia.com Mr. Dinesh Pant, Dy.G.M.(Life Oper) E-Mail: dineshpant@mailsvr.kenindia.com NEPAL (Nepal Rupee) Life Insurance Corporation (Nepal) Ltd., Block 'X', 2nd floor, Kathmandu Plaza, P.O.Box 21905, Kamaladi, Kathmandu, Nepal. ISD Code No.977-11 Tel.: 4229688/4243352 Fax.4229689 E-mail: lic@mos.com.np Website: www.licnepal.com A.P. Singh, G.M.& MD Mr. B.K. Unhelkar E-Mail: lic@licnepal.com GULF COUNTRIES ( In US Dollar) Life Insurance Corporation (International) B S C (C) Head Office : Ali Alwazzan Bldg., 1st Floor, Al Khalifa Avenue, P.O.Box 584, Manama, Bahrain. ISD 00973. Tel.No.17210610 Fax : 17211577 E-mail: licintl@batelco.com.bh; Website:www.licinternational.com Mr. S. Roy Chowdhury, CEO & Managing Director Saudi Indian Company for Co-operative Insurance, (SICCI) 305, Akaria-2, P.O. Box No. 341413, RIYADH-11333 CEO- Shri. R.R. Nair E-mail: insurancesaudi2@gmail.com

Chief Agent’s Office: Bahrain International Agencies Co. Ltd., Ali Alwazzan Bldg., 1st floor, P.B.No.584, Manama, Kingdom of Bahrain. ISD 00973. Tel.No. 17210610 / Fax 17211577 E-mail : intcolic@batelco.com.bh

Branch Office: Dubai Kingstar Insurance Agencies LLC, P.O.Box 60793, Office 102, Dubai. UAE ISD 009714 Tel.No.3354858 / Fax 3354684 E-mail: mail@licinternationaluae.com

Chief Agent’s Office: Kuwait Warba Insurance Co. SAK, P.O.Box 24282, Safat-13103, Kuwait. ISD 00965. Tel.No.2445140 / Fax 2428775. E-mail: warba@kuwait.net

Broker's Office: Qatar Investec WLL, P.O.Box 3002, Doha, Qatar. ISD 00974. Tel.No.4325060 / Fax 4353560. E-mail: investec@qatar.net.qa

Chief Agent’s Office: Saudi Arabia Al Hamidi Contracting Est. Co., P.O. Box 130, Riyadh - 11411, Kingdom of Saudi Arabia. ISD 009661. Tel. 4880066 / Fax 4881012 Email:Licriyadh@rediffmail.com

Branch Office: Oman Gulf Insurance Agencies Co. Ltd. PO Box-2243, Ruwi-112, Sultanate of Oman Tel (968)-700441 E-mail- licoman@omantel.net.om

LIC(Lanka) Ltd. Corporate Office- 3rd floor, Sharnell Building, 29/2 Visaka Road, COLOMBO-04. Sri Lanka. Ph: 94-11-5360526 Fax: 94-11-2590495 Web site: www.liclanka.com CEO- Mr. Ravishankar Prasad E-Mail id- prasadr@liclanka.com

help us to Serve You Better

Admission Of Age:

Age is the main basis of calculation of premium under life insurance policies. The following are accepted as evidence of age:

• Certified extract from Municipal or Local Body’s records made at the time of birth.
• Certificate of Baptism or Certified Extract from Family Bible, if it contains age or date of birth.
• Certified Extract from School or College records, if age or date of birth is stated therein.
• Certified Extract from Service Register in the case of Govt. employees and employees of Quasi-Govt. Institutions or
• Passport issued by the Passport Authorities in India.

Payment Of Premium:

• By cash, local cheque (subject to realization of cheque), Demand Draft at Branch Office.
• The DD and cheques or Money Order may be sent by post.
• You can pay your premiums at any of our Branches as 99% of our Branches are networked.
• Many Banks do accept standing instructions to remit the premiums. So by providing a standing instruction to your Bank to debit your account for the premium amount and send it vide a banker’s cheque to LIC, on the due dates and months mentioned on your policy bond.
• Through Internet : Payment of premiums can be made through Internet through Service Providers viz.HDFC Bank, ICICI Bank, Times of Money, Bill Junction, UTI Bank, Bank of Punjab, Citibank, Corporation Bank, Federal Bank and BillDesk.
• Premium payment can also be made through ATMs of Corporation Bank and UTI Bank.
• Premium payment can also be made through Electronic Clearing Service (ECS) which has been launched at Mumbai, Hyderabad, Chennai, Kolkata, New Delhi, Kanpur, Bangalore, Vijaywada, Patna, Jaipur, Chandigarh, Trivandrum, Ahmedabad, Pune, Goa and Nagpur, Secunderabad & Visakhapatnam. A policyholder having an account in any Bank which is a Member of the local Clearing House can opt for ECS debit to pay premiums. The policyholders wishing to use this system would have to fill up a Mandate Form available at our Branches/DO and get it certified by the Bank. The certified Mandate Forms are to be submitted to our BO/DO.

  Policy can be anywhere in India.

• Citibank Kiosks at Industrial Assurance Building, Churchgate, New India Building, Santacruz, Jeevan Shikha Building, Borivili are dedicated for collection of premiums through cheques.
  

Days Of Grace:

• Policyholder should pay the premiums on due dates. However, a grace period of one month but not less than 30 days will be allowed for payment of yearly/half-yearly/quarterly premiums and 15 days for monthly premiums.
• When the days of grace expire on a Sunday or a public holiday, the premium may be paid on the following working day to keep the policy in force.
• If the premium is not paid before the expiry of the days of grace, the policy lapses.

Revival Of Lapsed Policy:

• If the policy has lapsed, it can be revived during the life time of the life assured, within a period of five years from the date of the first unpaid premium but before the date of maturity subject to certain conditions.
• The Corporation offers three convenient schemes of revival viz., Ordinary Revival, Special Revival and Installment Revival. Policies can also be revived under Loan-cum-Revival and SB-cum-Revival schemes.
• Request for revival may be made to the Branch Office servicing the policy.

Change Of Address And Transfer Of Policy Records:

• The policyholder should immediately intimate the change of his/her address to the Branch Office servicing the policy. The correct address facilitates better service and quicker settlement of claims.
• Policy records can also be transferred from one Branch Office to another for servicing, as requested by the policyholder.

Loss Of Policy Document:

• The Policy Document is an evidence of the contract between the Insurer and the Insured. Hence the policyholder should preserve the Policy Bond till the contracted amount under it is settled.
• Loss of the Policy Document should be immediately intimated to the Branch Office where it is serviced.

Loans:

• Loans are granted on policies to the extent of 90% of Surrender Value of the policies which are in force and 85% of the Surrender Value in case of policies which are paid-up, inclusive of the cash value of bonus. The rate of interest charged at present is 9% p.a. payable half-yearly.
• Loans are not granted for a period shorter than six months. The Conditions and Privileges printed on the back of the Policy Bond states whether a particular policy is with or without the loan facility.

Relief To Policyholders:

• The Corporation generally allows concessions on payment of premiums, settlement of claims, issue of duplicate policies, etc when the policyholder are affected by natural calamities such as droughts, cyclones, floods, earthquakes, etc.

Nomination:

• Nomination is a right conferred on the holder of a Policy of Life Assurance on his own life to appoint a person/s to receive policy moneys in the event of the policy becoming a claim by the assured’s death. The Nominee does not get any other benefit except to receive the policy moneys on the death of the Life Assured. A nomination may be changed or cancelled by the life assured whenever he likes without the consent of the Nominee.
  Ensure nomination exists in the policy for easy settlement of claims.

Assignment:

• Assignment means transfer of rights, title and interest. When an assignment is executed, all rights, title and interest in respect of the property assigned are immediately transferred to the Assignee/s and the Assignee/s become the owner/s of the policy subject to any lawful condition made in the assignment.
• Assignment can be either conditional or absolute. On assignment (other than to LIC), Nomination automatically stands cancelled. Hence, when such a policy is reassigned, the policyholder will have to make a fresh nomination to avoid delay in settlement of claim.

Survival Benefit/Maturity Claims:

• LIC settles survival benefit/maturity claims on or before the due date.
• Policyholder are intimated well in advance by the Branch Office which services the policy regarding the payment, and the necessary Discharge Voucher is also sent for execution by the assured. In case the policyholder does not get any intimation from the Branch Office concerned, he/she should contact them, quoting the Policy Number.
• Survival Benefit payment up to Rs.60,000/- are settled without insisting for Policy Bond and Discharge Voucher.

Death Claims:

• If the life assured dies during the term of the policy, death claim arises. The death of the policyholder should be immediately intimated in writing to the Branch Office where the policy is serviced along with the following particulars:
  1. The No./s of the policy/ies
  2. The name of the policyholder
  3. Death Certificate issued by concerned Authority
  4. The date of death
  5. The cause of death and
  6. Claimant’s relationship with the deceased
• On receipt of the intimation of death, necessary claim forms are sent by the Branch Office for completion along with instructions regarding the procedure to be followed by the claimant.
• The claims which have arisen after a period of three years are treated as non-early claims and settled within 30 days from the date of receipt of all requirements.
• The claims that have arisen within a period of two years from the date of commencement of the policy, are treated as early claims and investigation is compulsory in such cases.
• The claim is usually payable to the nominee/assignee or the legal heirs, as the case may be. However, if the deceased policyholder has not nominated/assigned the policy or if he/she has not made a suitable provision regarding the policy moneys by way of a Will, the claim is payable to the holder of a Succession Certificate or some such evidence of title from a Court of Law.
• The Corporation grants claims concessions under certain Plans whereby payment of full sum assured is made, subject to the deduction of unpaid premiums with interest till the date of death and unpaid premiums falling due before the next anniversary of the policy, in the event of the death of the life assured within a period of six months or one year from the date of the first unpaid premium, provided premiums have been paid for at least three years and five years respectively.

Claim Review Committee:
The Corporation settles a large number of Death Claims every year. Only in case of fraudulent suppression of material information is the liability repudiated. This is to ensure that claims are not paid to fraudulent persons at the cost of honest policyholders. The number of Death Claims repudiated is, however, very small. Even in these cases, an opportunity is given to the claimant to make a representation for consideration by the Review Committees of the Zonal office and the Central Office. As a result of such review, depending on the merits of each case, appropriate decisions are taken. The Claims Review Committees of the Central and Zonal Offices have among their Members, a retired High Court/District Court Judge. This has helped providing transparency and confidence in our operations and has resulted in greater satisfaction among claimants, policyholders and public.

Insurance Ombudsman:

• The Grievance Redressal Machinery has been further expanded with the appointment of Insurance Ombudsman at different centers by the Government of India. At present there are 12 centres operating all over the country.
• Following type of complaints fall within the purview of the Ombdusman
  a) any partial or total repudiation of claims by an insurer;
  b) any dispute in regard to premiums paid if payable in terms of the policy;
  c) any dispute on the legal construction of the policies in so far as such disputes relate to claims;
  d) delay in settlement of claims;
  e)non-issue of any insurance document to customers after receipt of premium.
• Policyholder can approach the Insurance Ombudsman for the redressal of their complaints free of cost.

Initiatives In Policy Servicing Areas:

• All 2048 Branches of LIC are fully computerized covering all policy servicing aspects to give prompt computerized services from new policy introduction, acceptance of renewal premium, revivals, loans, etc to final claims settlement.
• Green Channel facility has been introduced for the speedy completion of proposals.
• Payment of premiums can be made through internet through service providers, viz., HDFC Bank, ICICI Bank, Times of money, Bill Junction, UTI Bank, Bank of Punjab,Citi Bank, Corporation Bank, Federal Bank and Billdesk.

Grievance Redressal Machinery:

• A machinery for redressal of policyholders� grievances exist in all the offices of the Corporation. These are headed by designated Officers who are available at their respective Offices every Monday between 2.30 pm and 4.30 pm. except holidays. Policyholder can approach these officers to get their grievances redressed.
• The Designated Officers at the various offices of the Corporation are :
  At Branch Office --- Sr./Branch Manager
  At Divisional Office --- Marketing Manager
  At Zonal Office --- Regional Manager (Mktg)
  At Central Office --- Executive Director (Mktg/IO/CRM)

Citizens’ Charter:

• Citizens' Charter was presented to the Nation in November, 1997. In the Charter the bench marks were prescribed for 30 servicing areas.