How Do I

  • Pay Premium
    • Payment through Direct Debit

      As a customer, you can now pay premiums through Direct Debit instruction any of the following banks :

      1. Allahabad Bank 
      2. Axis Bank
      3. Bank of Baroda
      4. Bank of India
      5. CITI Bank
      6. Corporation Bank
      7. IDBI Bank
      8. Kotak Mahindra Bank
      9. Punjab National Bank
      10. State Bank of Patiala
      11. UCO Bank
      12. Union Bank of India
      13. ICICI Bank
      14. United Bank of India
      15. Indusind Bank

      Benefits

      a. No need to remember the premium due dates or worry of issuance of cheques
      b. Experience complete peace of mind by ensuring that your policy does not lapse
      c. Enroll for Direct Debit premium payment option in 2 simple steps:
          i.Download the Direct Debit Mandate or collect it from any of our Branch offices
          ii.Submit the duly completed Direct Debit form at your nearest AVIVA branch office. (click here to find out your nearest Aviva branch).

    • Payment through HDFC Direct Debit/ SBI Direct Debit

      As a customer, you can now pay premiums through Direct Debit instruction from your HDFC account/ SBI account. 

      Benefits 

      1. No need to remember the premium due dates or worry of issuance of cheques
      2. Experience complete peace of mind by ensuring that your policy does not lapse

      Enroll for Direct Debit premium payment option in 2 simple steps:

      1. Download the HDFC Direct Debit Mandate or collect it from any of our Branch offices
      2. Submit the duly completed HDFC Direct Debit mandate form at your nearest AVIVA branch office. (click here to find out your nearest Aviva branch).

      or


      1. Download the SBI Direct Debit Mandate or collect it from any of our Branch offices
      2. Submit the duly completed SBI Direct Debit mandate form at your nearest AVIVA branch office. (click here to find out your nearest Aviva branch).

    • Payment with Credit Card over IVR (new)

      You can now pay your premium (up to Rs. 15 lacs) with your credit card (VISA or MasterCard) by calling us on 0124-270-9046. After selecting your preferred language, choose option 2 from the Main Menu.

      If you prefer, you may alternatively speak to our Customer Service Executives who will be glad to assist you with the payment process.

    • Payment through Airtel Money

      Premium payments now even more convenient with Airtel Money!

      In case you are an Airtel customer you can make Premium payments for Aviva Product by simply dialing *400*4# for menu and choose relevant option to make the payment. 

      4 easy steps is all that’s needed to make a payment 

      1-Dial *400*4#
      2-Press 2 for the Insurance Premium option
      3-Select ‘Aviva Life Insurance’ from the List
      4-Enter Details and Pay Premium (any amount) instantly

      As a customer you get the advantage of 

      1-Paying premium on the go through a trusted channel
      2-Secured Transaction in an easy way

      In case you have not registered on Airtel Money follow the steps below:

      1-Dial *400 and provide details like Name, DoB, etc
      2-Change mPIN by dialing *400# and selecting ‘View My Account’
      3-Load Cash – visit www.airtelmoney.in to load or visit your nearest airtel money outlet
      4-Start Paying

      For any further assistance in paying premiums through Airtel money you can reach us at 1800-103-7766.

    • Payment through Standing Instructions on your Credit Card

      You can pay your premium (up to Rs. 15 lacs) by giving Standing Instructions on your VISA or Master or Diners Club or American Express Credit Card. Your premium will be debited from your specified credit card account on the premium due date.

      To avail of this facility, you need to fill the Credit Card Authorization form and submit it at any of our Branch Offices.

      Please Note:

      1-The request to change the existing premium mode to Standing Instruction on Credit Card should be submitted at least 15 days prior to the premium due date. In case your next renewal premium payment falls due within next 15 days, you need to pay that premium through available options- cash/cheque/demand draft/online.
      2-Your policy should be active (in force) at the time this facility is activated.
      3-In case the Premium due date falls on a holiday; the premium will be deducted on the next working day.

      Click here to download Credit Card Authorization form.

    • Auto Pay through NACH (National Automated Clearing House)

      We have tied up with Yes Bank to provide a new auto pay option to you. With this, any bank enrolled with NPCI (National Payment corporation of India, a subsidiary of RBI ) for NACH can provide auto pay facility from any Branch which is on the CBS platform

      To find out the list of active banks where you can avail this facility, click here
       

    • Payment Through Nearest Aviva office/ Axis Bank/ Yes Bank branch/ Common Service Centre (CSC)/ICICI Bank

      You can pay your premiums at any of our network of branches.

      1.Click here to find an Aviva branch nearest to you

      2.Click here to find an Axis bank branch nearest to you

      3.Click here to find a Yes bank branch nearest to you

      4. Now you can pay renewal premium by cash at any Common Service Centre (CSC) outlet across India. For details, please visit http://csc.gov.in

      5. Click here to find an ICICI bank branch where you can pay through cash or an ICICI bank instrument

      6. Click here to find an ICICI bank branch where you can pay through non ICICI bank instruments.

    • Electronic Bill Presentment Payment

      Now, you can pay your premiums online through your net banking account with any of the following banks:

      List of Partner Banks for EBPP
      No. Bank
      1 ABN AMRO Bank
      2 American Express
      3 Barclays Bank
      4 Citibank
      5 ING Vysya Bank
      6 HDFC Bank
      7 Kotak Mahindra Bank
      8 Yes Bank
      9 Bank of Baroda
      10 Bank Of Maharashtra
      11 Bank Of India
      12 Central Bank of India
      13 Corporation Bank
      14 Dena Bank 
      15 Indian Bank
      16 Union Bank of India
      17 Ahmedabad Municipal Cooperative Bank
      18 Cosmos Bank
      19 Jan Kalyan Sahakari Bank
      20 Janata Sahakari Bank 
      21 Punjab and Maharashtra Cooperative Bank
      22 Vijay Cooperative Bank 
      23 State Bank of India 

      Aviva has a tie-up with Bill Desk for this process.Logon to your Net banking account and register Aviva Life Insurance as the Biller. Incase your next Premium due date is within 15 working days at the time of registration then this facility will be applicable only from next payment cycle. The renewal premium bill will be available for online payment 7 calendar days before the renewal premium due date. Please be aware that this facility cannot be availed, if ECS CREDIT CARD standing instruction has already opted for as a payment mode.

      You can authorize your premium payments through Electronic Bill Payment with Bill Desk at www.billdesk.com . Register yourself at Bill Desk and choose Aviva Life Insurance as a Biller under Insurance category.

    • Online Policy Renewal

      You can make online payment of premium anytime and from any location at a click of the mouse by using the online payment facility. This facility is currently offered to all the policyholders to make renewal premium payments and revive their policies through our website.

      To avail this facility, you need to

      1-Logon to your Aviva Account
      2-Select the policy due for payment
      3-Choose payment option and provide your Credit Card/Bank Information for authorization.

      or

      1-Select the option of Pay Renewal Premium Now on the website.
      2-Select the option of Pay Revival Premium Now on the website.
      3-Select the policy due for payment
      4-Choose payment option and provide your Credit Card/Bank Information for authorization.

      Banks through which online premium payment Banking facility is available are:

      • Axis Bank
      • HDFC Bank
      • ICICI Bank
      • IndusInd Bank
      • Indian Overseas Bank
      • PNB Retail Net Banking
      • PNB Corporate Net Banking
      • State Bank of Travancore
      • Punjab and Sind Bank
      • UCO Bank
      • United Bank of India
      • Kotak Bank
      • Allahabad Bank
      • Bank of India
      • State Bank of Hyderabad
      • State Bank of Bikaner and Jaipur
      • State Bank of Mysore
      • State Bank of Patiala
      • City Union Bank
      • Tamilnad Mercantile Bank Ltd.
      • Bank of Baroda - Corporate Banking
      • Bank of Bahrain and Kuwait
      • Bank of Baroda - Retail Banking
      • Corporation Bank
      • Deutsche Bank
      • Federal Bank
      • IDBI Bank
      • Jammu and Kashmir Bank
      • Karnataka Bank Ltd
      • Karur Vysya Bank
      • Oriental Bank of Commerce
      • South Indian Bank
      • Shamrao Vitthal Co-operative Bank
      • Syndicate Bank
      • Union Bank of India
      • Vijaya Bank
      • Yes Bank Ltd
    • NEFT (National Electronic Fund Transfer)

      You can now pay your renewal premium through NEFT (National Electronic Fund Transfer) from your bank account.

      To initiate the NEFT transfer, you just need to follow the below mentioned steps:
      NEFT through your Net Banking Account:

      1. Select the option of “NEFT Transfer”.
      2. Enter the following details:

      -Beneficiary Account : AVIVA1 followed by your Policy Number*.
      Example
      Policy Number-PPG1234567 or 00123456

      -Beneficiary Account to be entered is : AVIVA1PPG1234567 or AVIVA100123456

      -Beneficiary Name : Aviva Life Insurance Company India Ltd

      -Bank Name : Yes Bank Ltd.

      -Branch Name : Chanakya Puri, New Delhi

      -HDFC Account Type: Current Account

      -IFSC Code : YESB0CMSNOC

      -Amount : As per your due premium amount

      NEFT through submission of Physical Form at your Bank branch :

      1. Procure the NEFT Form from the bank.
      2. Mention the following details:

      -Beneficiary Account : AVIVA1 followed by your Policy Number*
      Example
      Policy Number-PPG1234567 or 00123456

      -Beneficiary Account to be entered is : AVIVA1PPG1234567 or AVIVA100123456

      -Beneficiary Name : Aviva Life Insurance Company India Ltd

      -Bank Name : Yes Bank Ltd.

      -Branch Name : Chanakya Puri, New Delhi

      -HDFC Account Type: Current Account

      -IFSC Code : YESB0CMSNOC

      -Amount : As per your due premium amount

      Note:

      *Ensure that the Policy Number entered is correct else your transaction would be rejected.
      1-For Unit Linked Policies, the NAV would be allocated in accordance with the date and time of receipt of fund along with the information by us. For the funds & information received after 3:00 PM or on Saturday, Sunday, any public holiday, the NAV for the next working day shall be applicable.
      2-For lapsed/paid up policies the risk shall resume upon completion of the reinstatement requirements and not upon the receipt of premium.
      3-For every successful NEFT transaction, your bank will provide a UTR number (Unique Transaction Reference No.). For any query related to NEFT transaction, please mention the UTR number of that transaction.

    • Pay Premium Online
  • File a Claim
    • CEO Message /Philosophy

      Aviva’s claim philosophy is to pay valid claims promptly and efficiently with  minimum inconvenience to our customers and their families.

      All claims are assessed in a fair and consistent manner. The claim is denied only in cases of fraudulent suppression of material information. This ensures that claims are not paid to fraudulent persons at the cost of honest policyholders. To be more customers friendly and to provide claimant an opportunity to present his case, we have Claims Review Committee (CRC) and in the communication of declining claim, we intimate claimant about the option of CRC.

      Mr. Trevor Bull
      CEO and Managing Director

       

    • Claims Process

      In the unfortunate event of a critical illness, hospitalization, disability or death, please contact our Customer Services Helpline at 1800-103-7766 or write to us at:

      Claims Department 
      Aviva Life Insurance Company India Ltd.
      Aviva Tower, Sector 43,
      Opposite DLF Golf Course,
      Gurgaon - 122 003 

      The claimant can also inform us about a death claim on our website by clicking here.

      The customers and claimants can also approach our Branch offices. Our Branch office personals are well versed with the claim process and documentation. 

      For Aviva Health Plus policyholders: Cashless facility is allowed in case of hospitalization and surgical claims as per terms and conditions of your policy. Please contact E Meditek(TPA) Services Pvt Ltd, our Third Party Administrator on 1800-102-3242 or 91-124-4149710. You can also log in at www.emeditek.co.in or send email at customercare@emeditek.com    

      Click here to view the list of network hospitals on the panel of TPA.

      Step 1: Complete the claim form

      Complete the appropriate form depending upon which claim is to be made. Different forms are to be filled for claims against riders, death, hospital cash benefit, group term insurance and gratuity. All details with respect to client id, policy number, policy holder name, etc should be duly filled.

      Step 2: Arrange for appropriate documents

      Based on the claims made, appropriate documents need to be provided. Documents can be submitted in original or photocopies, attested by a Gazetted officer, Magistrate, Tahsildar or police Sub-inspector.

      Step 3: Hospitalisation and Surgical Rider Benefit Claim

      Incase of Hospitalisation and Surgical Rider Benefit claim, produce all medical bills and medical report issued by the attending physician qualified under law to issue such a report.

      Step 4: Submit required documents along with the claim form

      Once the form is completed and documents are in place, submit them at the nearest branch office. Alternatively, you can also send us your documents by post to:

      Claims Department 
      Aviva Life Insurance Company India Limited
      Aviva Towers, Sector 43,
      Opposite DLF Golf Course,
      Sector 43, 
      Gurgaon 122003

      Documents Required

      If you have an Pension Plan, submit the original policy document along with a copy of the death certificate. For all other plans the list of documents are as follows

      For all other products Death
      Claim

      HCB/CI
      Claim

      ADD/PTD
      Claim
      Survival
      Benefit
      Maturity
      Benefit
      Annuity
      1. Original Policy Document Y Y Y N Y N
      2. Completely & Countersigned filled Claim Form Y Y Y Y Y N
      3. Nominee ID proof establishing relationship with Life Insured Y Y Y N Y N
      4. Copy of death certificate issued by local authority Y N N N N N
      5. Address Proof of the Nominee Y N Y N N N
      6. Medical Records (admission notes, discharge summary, test reports etc) Y Y Y N N N
      7. Last Medical Attendance Report ( LMA) Y N Y N N N
      8. Post Mortem Report ,if post mortem done Y N Y* N N N
      9. FIR / Police Report if case filed with Police Y Y Y N N N
      10. Panchnama / Inquest Report if case filed with Police Y Y Y N N N
      11. Saving Bank Account Number Y Y Y Y Y Y
      12. Newspaper cuttings Y N Y N N N
      13. Contact number of Claimant Y Y

      Y
       

      Y Y Y
      14. Existence Certificate N N N N N Y
      15. PAN card of payee Y Y Y Y Y Y

      * Only if death has occured.

    • How we can Help You

      Claim Personal Manager
      Each claim is assigned to a specific Claim Personal Manager who will take care of the claim till the final settlement.  The name and contact details will be conveyed in our letters, SMS, and call. On receipt of the claim, Claim Personal Manager will call and guide claimants about the process and expected timelines of settlement.  

      Help In Document Procurement
      In case, you are facing any difficulty in document procurement, please write to us. We will engage our personals to procure documents on  your behalf. 

      Status of your claim
      We will keep you updated on claim status through Letters, calls and SMS. We request you to keep us updated with your recent communication address and contact number.
      Should you have any queries or clarifications during the process of submission of the above documents, you can write to us at claims@avivaindia.com. Alternatively you contact our Customer Service Helpline number 1800-103-77-66 OR 0124-2709046 

       

  • Manage my policy
    • Get a Duplicate Policy

      If you have not received your policy document, here is how you can apply for a duplicate policy.

      Step 1: Complete the section in Request Form, and specify the reason.

      Step2: If your Policy document is not received within one year from the date of issuance, please submit the request form at your nearest Aviva branch.

      Step 3: If Policy document not received for more than one year from the date of issuance, please submit the request form along with Indemnity on Rs.100 stamp paper, Photo identity proof of Policy holder, a recent color photograph of the Policy Holder at your nearest Aviva branch.

      If you have lost your policy document, here is how you can apply for your duplicate policy.

      Step 1: Complete the section in Request Form, and specify the reason.

      Step 2: Submit the Request form along with Indemnity on Rs.100 stamp paper, Photo identity proof of Policy holder, a recent color photograph of Policy Holder and Rs.250 processing fees at the nearest Aviva branch.

      Note: request you to please carry your original photo identity proof for verification when you visit the branch.

      Click here to download Request Form

    • Reinstate your Policy

      A lapsed policy could be reinstated, depending upon the policy terms and conditions.

      Step 1: Fill up the application for Declaration of Good Health for the purpose of reviving your lapsed policy.

      Step 2: You will need to provide complete details along with related documents.

      Step 3: The form needs to be duly signed by the life insured and the policy holder, if the policy holder is different from the life insured.

      Step 4: Submit the completed form to your nearest branch.

    • Policy Payout (Partial Withdrawal, Surrender & Freelook)

      Documents required for Post Issuance Cancellation (partial withdrawal, surrender & free look)

      1-Payout Form.
      2-Original Policy Document.
      3-Recent Color photograph
      4-Self Attested Photo ID proof of Policy Owner**.
      5-Self Attested copy of current communication Address proof of Policy Owner if Address endorsement done within last one year or requested along with the surrender/Partial withdrawal/Freelook** .
      6-Cancelled cheque of the A/c where NEFT is required
      7-Self Attested Bank Statement/Pass book copy showing the premium remittance OR Latest Six Month Bank Statement**.

      **Request you to please carry originals for verification by our branch office, if request is submitted by third party then we require third party photo identity proof (Original required for OSV) and authorization letter from policy holder.

      Additional Documents required for amount transfer in NRE (Non-Resident External) account:

      1-Cancelled Cheque from NRE A/c
      2-Bank statement / copy of bank passbook of NRE A/c from which premium is remitted**

      Please note that if the amount has to be transferred to NRE Account, then you need to submit a copy of NRE Bank statement through which all premiums have been remitted.

      Please refer to the Payout form for the complete set of documents etc.

    • Complaints Redressal process

      Our Complaints Redressal process.

      Download as a PDF document

    • Update Your Details

      At any point during the term of your policy, you can change any of your personal or policy related details:

      Change in Address and Contact Details

      Step 1: For change in personal contact details, fill up the request form

      Step 2: Mention your client id, policy number, and your new contact details.

      Step 3: Submit the duly signed form at the nearest branch of Aviva


      Change in Name

      Step 1: For correction or rectification in name or date of birth, fill up the available request form.

      Step 2: Complete the section with the rectified or corrected, name or date of birth.

      Step 3: Attach a copy of your proof of date of birth or name, which needs to be incorporated.

      Step 4: Submit the request with the proof at the nearest branch of Aviva, along with the original policy.


      Change in Nominee

      A nominee is the person who would receive the sum assured or benefits in the eventuality of of the policyholders' death. During the tenure of the policy you could change your nominee or the percentage he should receive.

      Step 1: Complete the endorsement request form with the name, date of birth, relation and percentage of the amount, of the nominee.

      Step 2: If you are nominating a minor, appoint a suitable guardian for the minor, by filling in his details. The request needs to be signed by the guardian also.

      Step 3: The duly signed nomination form needs to be signed by a witness.

      Step 4: Submit the completed form along with the original policy document to the nearest branch of Aviva.


      Change in Policy Details

      Switch Fund

      Step 1: Chose your switch from the list of available switch types. Refer to the policy schedule for the same.

      Step 2 Complete the endorsement request form mentioning the required switch type, your client id and policy number.

      Step 3 Refer to the policy terms and conditions for the number of free switches.

      Step 4: As per your risk profile chose and decide on the percentage allocation for each switch.

      Step 5: Submit the completed form along with the original policy document to the nearest branch of Aviva.


      Mode change

      Premium payment could be done through a cheque or demand draft, direct debit from your account or from your credit card.

      Step 1: Choose your mode of payment

      Step 2: Fill up the endorsement request form. If you decide on direct debit from your account, do not forget to fill up the direct debit mandate instruction.

      Step 3: Submit to your nearest branch the completed request form with client id and policy number, the debit mandate and the relevant charge slip. Your branch would inform you about the availability of these facilities.

      Step 4: You could alternatively contact our customer service executive on 18001802266 for any further assistance.


      Frequency change

      Step 1: Decide between monthly, quarterly, half yearly or annual payment of premium. If you chose monthly, the payment is only through direct debit or ECS mode

      Step 2: Complete the endorsement request form for change in frequency, duly signed by policy holder and witness.

      Step 3: Complete the debit mandate instruction form, if you chose monthly payment of premium.

      Step 4: Submit the completed form to your nearest branch which would also inform you about the availability of your option.


      Change in cover Level

      You could change your level of cover depending upon the terms and conditions of the policy

      Step 1: Decide on the change required in cover.

      Step 2: Complete the endorsement request form with client id, policy number and policyholders name.

      Step 3: Submit the completed form, duly signed by the life insured and the policy holder, to the nearest branch along with your original policy document.


      Bank Account Registration

      Bank Account Registration For Direct Account Transfer


      Policy Assignment

      In case you wish to Assign your policy, you will need to fill up the available request form and submit it at your nearest AVIVA branch office along with following documents:

      1. Assignment Form

      2. Your Original policy document

      3. 1 Photograph of the assignee

      4. Identity proof of assignee

      5. Address proof of assignee

      On submission of the duly filled and signed Assignment form along with requisite documents, your request will be treated as an adequate notice of assignment of the policy by the customer.

    • e-Insurance Account Opening Forms

      The objective of creating an insurance repository is to provide policyholders a facility to keep all his insurance policies in electronic form in one account and to undertake changes, modifications and revisions in the insurance policy with speed and accuracy. Only one time submission of KYC documents required.

      You can opt to open the Electronic Insurance Account (eIA) with any of the 5 Insurance Repositories (IR) mentioned below:

      1.Download and fill the relevant form- New account opening or existing account updation

      2.You can visit the nearest Aviva branch and submit the duly filled form along with the KYC documents (list mentioned below)

      3.For further assistance or queries you may contact us at 1800-103-7766 toll free or e-mail us at customerservices@avivaindia.com 

      Click here to view the forms.

      KYC Documents - Any one of the below mentioned proofs need to be submitted:

      Identification Proof
      Address Proof
      Pan Card
      Ration card/ Passport/ Aadhar/ Voter id card/ Driving License/ Bank passbook (<6 months old)
      UID or Aadhar Card
      Verified copies of:
      Electricity bills or Residence Telephone bills(not more than 6 months old).
      Registered Lease and License agreement / Agreement for sale
       
      Self-declaration by High Court and Supreme Court judges, giving the new address in respect of their own accounts
       
      Identity card/document with address, issued by:
      Central or State governments/ Statuatory or regulatory authorities/ PSUs/ Scheduled commercial banks/ Public financial institutions.
      College affiliated to universities/ Professional bodies.

       

  • Update my details
    • Download forms
    • Manage my funds
    • Payment through Direct Debit

      As a customer, you can now pay premiums through Direct Debit instruction any of the following banks :

      1. Allahabad Bank 
      2. Axis Bank
      3. Bank of Baroda
      4. Bank of India
      5. CITI Bank
      6. Corporation Bank
      7. IDBI Bank
      8. Kotak Mahindra Bank
      9. Punjab National Bank
      10. State Bank of Patiala
      11. UCO Bank
      12. Union Bank of India
      13. ICICI Bank
      14. United Bank of India
      15. Indusind Bank

      Benefits

      a. No need to remember the premium due dates or worry of issuance of cheques
      b. Experience complete peace of mind by ensuring that your policy does not lapse
      c. Enroll for Direct Debit premium payment option in 2 simple steps:
          i.Download the Direct Debit Mandate or collect it from any of our Branch offices
          ii.Submit the duly completed Direct Debit form at your nearest AVIVA branch office. (click here to find out your nearest Aviva branch).

    • Payment through HDFC Direct Debit/ SBI Direct Debit

      As a customer, you can now pay premiums through Direct Debit instruction from your HDFC account/ SBI account. 

      Benefits 

      1. No need to remember the premium due dates or worry of issuance of cheques
      2. Experience complete peace of mind by ensuring that your policy does not lapse

      Enroll for Direct Debit premium payment option in 2 simple steps:

      1. Download the HDFC Direct Debit Mandate or collect it from any of our Branch offices
      2. Submit the duly completed HDFC Direct Debit mandate form at your nearest AVIVA branch office. (click here to find out your nearest Aviva branch).

      or


      1. Download the SBI Direct Debit Mandate or collect it from any of our Branch offices
      2. Submit the duly completed SBI Direct Debit mandate form at your nearest AVIVA branch office. (click here to find out your nearest Aviva branch).

    • Payment with Credit Card over IVR (new)

      You can now pay your premium (up to Rs. 15 lacs) with your credit card (VISA or MasterCard) by calling us on 0124-270-9046. After selecting your preferred language, choose option 2 from the Main Menu.

      If you prefer, you may alternatively speak to our Customer Service Executives who will be glad to assist you with the payment process.

    • Payment through Airtel Money

      Premium payments now even more convenient with Airtel Money!

      In case you are an Airtel customer you can make Premium payments for Aviva Product by simply dialing *400*4# for menu and choose relevant option to make the payment. 

      4 easy steps is all that’s needed to make a payment 

      1-Dial *400*4#
      2-Press 2 for the Insurance Premium option
      3-Select ‘Aviva Life Insurance’ from the List
      4-Enter Details and Pay Premium (any amount) instantly

      As a customer you get the advantage of 

      1-Paying premium on the go through a trusted channel
      2-Secured Transaction in an easy way

      In case you have not registered on Airtel Money follow the steps below:

      1-Dial *400 and provide details like Name, DoB, etc
      2-Change mPIN by dialing *400# and selecting ‘View My Account’
      3-Load Cash – visit www.airtelmoney.in to load or visit your nearest airtel money outlet
      4-Start Paying

      For any further assistance in paying premiums through Airtel money you can reach us at 1800-103-7766.

    • Payment through Standing Instructions on your Credit Card

      You can pay your premium (up to Rs. 15 lacs) by giving Standing Instructions on your VISA or Master or Diners Club or American Express Credit Card. Your premium will be debited from your specified credit card account on the premium due date.

      To avail of this facility, you need to fill the Credit Card Authorization form and submit it at any of our Branch Offices.

      Please Note:

      1-The request to change the existing premium mode to Standing Instruction on Credit Card should be submitted at least 15 days prior to the premium due date. In case your next renewal premium payment falls due within next 15 days, you need to pay that premium through available options- cash/cheque/demand draft/online.
      2-Your policy should be active (in force) at the time this facility is activated.
      3-In case the Premium due date falls on a holiday; the premium will be deducted on the next working day.

      Click here to download Credit Card Authorization form.

    • Auto Pay through NACH (National Automated Clearing House)

      We have tied up with Yes Bank to provide a new auto pay option to you. With this, any bank enrolled with NPCI (National Payment corporation of India, a subsidiary of RBI ) for NACH can provide auto pay facility from any Branch which is on the CBS platform

      To find out the list of active banks where you can avail this facility, click here
       

    • Payment Through Nearest Aviva office/ Axis Bank/ Yes Bank branch/ Common Service Centre (CSC)/ICICI Bank

      You can pay your premiums at any of our network of branches.

      1.Click here to find an Aviva branch nearest to you

      2.Click here to find an Axis bank branch nearest to you

      3.Click here to find a Yes bank branch nearest to you

      4. Now you can pay renewal premium by cash at any Common Service Centre (CSC) outlet across India. For details, please visit http://csc.gov.in

      5. Click here to find an ICICI bank branch where you can pay through cash or an ICICI bank instrument

      6. Click here to find an ICICI bank branch where you can pay through non ICICI bank instruments.

    • Electronic Bill Presentment Payment

      Now, you can pay your premiums online through your net banking account with any of the following banks:

      List of Partner Banks for EBPP
      No. Bank
      1 ABN AMRO Bank
      2 American Express
      3 Barclays Bank
      4 Citibank
      5 ING Vysya Bank
      6 HDFC Bank
      7 Kotak Mahindra Bank
      8 Yes Bank
      9 Bank of Baroda
      10 Bank Of Maharashtra
      11 Bank Of India
      12 Central Bank of India
      13 Corporation Bank
      14 Dena Bank 
      15 Indian Bank
      16 Union Bank of India
      17 Ahmedabad Municipal Cooperative Bank
      18 Cosmos Bank
      19 Jan Kalyan Sahakari Bank
      20 Janata Sahakari Bank 
      21 Punjab and Maharashtra Cooperative Bank
      22 Vijay Cooperative Bank 
      23 State Bank of India 

      Aviva has a tie-up with Bill Desk for this process.Logon to your Net banking account and register Aviva Life Insurance as the Biller. Incase your next Premium due date is within 15 working days at the time of registration then this facility will be applicable only from next payment cycle. The renewal premium bill will be available for online payment 7 calendar days before the renewal premium due date. Please be aware that this facility cannot be availed, if ECS CREDIT CARD standing instruction has already opted for as a payment mode.

      You can authorize your premium payments through Electronic Bill Payment with Bill Desk at www.billdesk.com . Register yourself at Bill Desk and choose Aviva Life Insurance as a Biller under Insurance category.

    • Online Policy Renewal

      You can make online payment of premium anytime and from any location at a click of the mouse by using the online payment facility. This facility is currently offered to all the policyholders to make renewal premium payments and revive their policies through our website.

      To avail this facility, you need to

      1-Logon to your Aviva Account
      2-Select the policy due for payment
      3-Choose payment option and provide your Credit Card/Bank Information for authorization.

      or

      1-Select the option of Pay Renewal Premium Now on the website.
      2-Select the option of Pay Revival Premium Now on the website.
      3-Select the policy due for payment
      4-Choose payment option and provide your Credit Card/Bank Information for authorization.

      Banks through which online premium payment Banking facility is available are:

      • Axis Bank
      • HDFC Bank
      • ICICI Bank
      • IndusInd Bank
      • Indian Overseas Bank
      • PNB Retail Net Banking
      • PNB Corporate Net Banking
      • State Bank of Travancore
      • Punjab and Sind Bank
      • UCO Bank
      • United Bank of India
      • Kotak Bank
      • Allahabad Bank
      • Bank of India
      • State Bank of Hyderabad
      • State Bank of Bikaner and Jaipur
      • State Bank of Mysore
      • State Bank of Patiala
      • City Union Bank
      • Tamilnad Mercantile Bank Ltd.
      • Bank of Baroda - Corporate Banking
      • Bank of Bahrain and Kuwait
      • Bank of Baroda - Retail Banking
      • Corporation Bank
      • Deutsche Bank
      • Federal Bank
      • IDBI Bank
      • Jammu and Kashmir Bank
      • Karnataka Bank Ltd
      • Karur Vysya Bank
      • Oriental Bank of Commerce
      • South Indian Bank
      • Shamrao Vitthal Co-operative Bank
      • Syndicate Bank
      • Union Bank of India
      • Vijaya Bank
      • Yes Bank Ltd
    • NEFT (National Electronic Fund Transfer)

      You can now pay your renewal premium through NEFT (National Electronic Fund Transfer) from your bank account.

      To initiate the NEFT transfer, you just need to follow the below mentioned steps:
      NEFT through your Net Banking Account:

      1. Select the option of “NEFT Transfer”.
      2. Enter the following details:

      -Beneficiary Account : AVIVA1 followed by your Policy Number*.
      Example
      Policy Number-PPG1234567 or 00123456

      -Beneficiary Account to be entered is : AVIVA1PPG1234567 or AVIVA100123456

      -Beneficiary Name : Aviva Life Insurance Company India Ltd

      -Bank Name : Yes Bank Ltd.

      -Branch Name : Chanakya Puri, New Delhi

      -HDFC Account Type: Current Account

      -IFSC Code : YESB0CMSNOC

      -Amount : As per your due premium amount

      NEFT through submission of Physical Form at your Bank branch :

      1. Procure the NEFT Form from the bank.
      2. Mention the following details:

      -Beneficiary Account : AVIVA1 followed by your Policy Number*
      Example
      Policy Number-PPG1234567 or 00123456

      -Beneficiary Account to be entered is : AVIVA1PPG1234567 or AVIVA100123456

      -Beneficiary Name : Aviva Life Insurance Company India Ltd

      -Bank Name : Yes Bank Ltd.

      -Branch Name : Chanakya Puri, New Delhi

      -HDFC Account Type: Current Account

      -IFSC Code : YESB0CMSNOC

      -Amount : As per your due premium amount

      Note:

      *Ensure that the Policy Number entered is correct else your transaction would be rejected.
      1-For Unit Linked Policies, the NAV would be allocated in accordance with the date and time of receipt of fund along with the information by us. For the funds & information received after 3:00 PM or on Saturday, Sunday, any public holiday, the NAV for the next working day shall be applicable.
      2-For lapsed/paid up policies the risk shall resume upon completion of the reinstatement requirements and not upon the receipt of premium.
      3-For every successful NEFT transaction, your bank will provide a UTR number (Unique Transaction Reference No.). For any query related to NEFT transaction, please mention the UTR number of that transaction.

    • Pay Premium Online
    • CEO Message /Philosophy

      Aviva’s claim philosophy is to pay valid claims promptly and efficiently with  minimum inconvenience to our customers and their families.

      All claims are assessed in a fair and consistent manner. The claim is denied only in cases of fraudulent suppression of material information. This ensures that claims are not paid to fraudulent persons at the cost of honest policyholders. To be more customers friendly and to provide claimant an opportunity to present his case, we have Claims Review Committee (CRC) and in the communication of declining claim, we intimate claimant about the option of CRC.

      Mr. Trevor Bull
      CEO and Managing Director

       

    • Claims Process

      In the unfortunate event of a critical illness, hospitalization, disability or death, please contact our Customer Services Helpline at 1800-103-7766 or write to us at:

      Claims Department 
      Aviva Life Insurance Company India Ltd.
      Aviva Tower, Sector 43,
      Opposite DLF Golf Course,
      Gurgaon - 122 003 

      The claimant can also inform us about a death claim on our website by clicking here.

      The customers and claimants can also approach our Branch offices. Our Branch office personals are well versed with the claim process and documentation. 

      For Aviva Health Plus policyholders: Cashless facility is allowed in case of hospitalization and surgical claims as per terms and conditions of your policy. Please contact E Meditek(TPA) Services Pvt Ltd, our Third Party Administrator on 1800-102-3242 or 91-124-4149710. You can also log in at www.emeditek.co.in or send email at customercare@emeditek.com    

      Click here to view the list of network hospitals on the panel of TPA.

      Step 1: Complete the claim form

      Complete the appropriate form depending upon which claim is to be made. Different forms are to be filled for claims against riders, death, hospital cash benefit, group term insurance and gratuity. All details with respect to client id, policy number, policy holder name, etc should be duly filled.

      Step 2: Arrange for appropriate documents

      Based on the claims made, appropriate documents need to be provided. Documents can be submitted in original or photocopies, attested by a Gazetted officer, Magistrate, Tahsildar or police Sub-inspector.

      Step 3: Hospitalisation and Surgical Rider Benefit Claim

      Incase of Hospitalisation and Surgical Rider Benefit claim, produce all medical bills and medical report issued by the attending physician qualified under law to issue such a report.

      Step 4: Submit required documents along with the claim form

      Once the form is completed and documents are in place, submit them at the nearest branch office. Alternatively, you can also send us your documents by post to:

      Claims Department 
      Aviva Life Insurance Company India Limited
      Aviva Towers, Sector 43,
      Opposite DLF Golf Course,
      Sector 43, 
      Gurgaon 122003

      Documents Required

      If you have an Pension Plan, submit the original policy document along with a copy of the death certificate. For all other plans the list of documents are as follows

      For all other products Death
      Claim

      HCB/CI
      Claim

      ADD/PTD
      Claim
      Survival
      Benefit
      Maturity
      Benefit
      Annuity
      1. Original Policy Document Y Y Y N Y N
      2. Completely & Countersigned filled Claim Form Y Y Y Y Y N
      3. Nominee ID proof establishing relationship with Life Insured Y Y Y N Y N
      4. Copy of death certificate issued by local authority Y N N N N N
      5. Address Proof of the Nominee Y N Y N N N
      6. Medical Records (admission notes, discharge summary, test reports etc) Y Y Y N N N
      7. Last Medical Attendance Report ( LMA) Y N Y N N N
      8. Post Mortem Report ,if post mortem done Y N Y* N N N
      9. FIR / Police Report if case filed with Police Y Y Y N N N
      10. Panchnama / Inquest Report if case filed with Police Y Y Y N N N
      11. Saving Bank Account Number Y Y Y Y Y Y
      12. Newspaper cuttings Y N Y N N N
      13. Contact number of Claimant Y Y

      Y
       

      Y Y Y
      14. Existence Certificate N N N N N Y
      15. PAN card of payee Y Y Y Y Y Y

      * Only if death has occured.

    • How we can Help You

      Claim Personal Manager
      Each claim is assigned to a specific Claim Personal Manager who will take care of the claim till the final settlement.  The name and contact details will be conveyed in our letters, SMS, and call. On receipt of the claim, Claim Personal Manager will call and guide claimants about the process and expected timelines of settlement.  

      Help In Document Procurement
      In case, you are facing any difficulty in document procurement, please write to us. We will engage our personals to procure documents on  your behalf. 

      Status of your claim
      We will keep you updated on claim status through Letters, calls and SMS. We request you to keep us updated with your recent communication address and contact number.
      Should you have any queries or clarifications during the process of submission of the above documents, you can write to us at claims@avivaindia.com. Alternatively you contact our Customer Service Helpline number 1800-103-77-66 OR 0124-2709046 

       

    • Get a Duplicate Policy

      If you have not received your policy document, here is how you can apply for a duplicate policy.

      Step 1: Complete the section in Request Form, and specify the reason.

      Step2: If your Policy document is not received within one year from the date of issuance, please submit the request form at your nearest Aviva branch.

      Step 3: If Policy document not received for more than one year from the date of issuance, please submit the request form along with Indemnity on Rs.100 stamp paper, Photo identity proof of Policy holder, a recent color photograph of the Policy Holder at your nearest Aviva branch.

      If you have lost your policy document, here is how you can apply for your duplicate policy.

      Step 1: Complete the section in Request Form, and specify the reason.

      Step 2: Submit the Request form along with Indemnity on Rs.100 stamp paper, Photo identity proof of Policy holder, a recent color photograph of Policy Holder and Rs.250 processing fees at the nearest Aviva branch.

      Note: request you to please carry your original photo identity proof for verification when you visit the branch.

      Click here to download Request Form

    • Reinstate your Policy

      A lapsed policy could be reinstated, depending upon the policy terms and conditions.

      Step 1: Fill up the application for Declaration of Good Health for the purpose of reviving your lapsed policy.

      Step 2: You will need to provide complete details along with related documents.

      Step 3: The form needs to be duly signed by the life insured and the policy holder, if the policy holder is different from the life insured.

      Step 4: Submit the completed form to your nearest branch.

    • Policy Payout (Partial Withdrawal, Surrender & Freelook)

      Documents required for Post Issuance Cancellation (partial withdrawal, surrender & free look)

      1-Payout Form.
      2-Original Policy Document.
      3-Recent Color photograph
      4-Self Attested Photo ID proof of Policy Owner**.
      5-Self Attested copy of current communication Address proof of Policy Owner if Address endorsement done within last one year or requested along with the surrender/Partial withdrawal/Freelook** .
      6-Cancelled cheque of the A/c where NEFT is required
      7-Self Attested Bank Statement/Pass book copy showing the premium remittance OR Latest Six Month Bank Statement**.

      **Request you to please carry originals for verification by our branch office, if request is submitted by third party then we require third party photo identity proof (Original required for OSV) and authorization letter from policy holder.

      Additional Documents required for amount transfer in NRE (Non-Resident External) account:

      1-Cancelled Cheque from NRE A/c
      2-Bank statement / copy of bank passbook of NRE A/c from which premium is remitted**

      Please note that if the amount has to be transferred to NRE Account, then you need to submit a copy of NRE Bank statement through which all premiums have been remitted.

      Please refer to the Payout form for the complete set of documents etc.

    • Complaints Redressal process

      Our Complaints Redressal process.

      Download as a PDF document

    • Update Your Details

      At any point during the term of your policy, you can change any of your personal or policy related details:

      Change in Address and Contact Details

      Step 1: For change in personal contact details, fill up the request form

      Step 2: Mention your client id, policy number, and your new contact details.

      Step 3: Submit the duly signed form at the nearest branch of Aviva


      Change in Name

      Step 1: For correction or rectification in name or date of birth, fill up the available request form.

      Step 2: Complete the section with the rectified or corrected, name or date of birth.

      Step 3: Attach a copy of your proof of date of birth or name, which needs to be incorporated.

      Step 4: Submit the request with the proof at the nearest branch of Aviva, along with the original policy.


      Change in Nominee

      A nominee is the person who would receive the sum assured or benefits in the eventuality of of the policyholders' death. During the tenure of the policy you could change your nominee or the percentage he should receive.

      Step 1: Complete the endorsement request form with the name, date of birth, relation and percentage of the amount, of the nominee.

      Step 2: If you are nominating a minor, appoint a suitable guardian for the minor, by filling in his details. The request needs to be signed by the guardian also.

      Step 3: The duly signed nomination form needs to be signed by a witness.

      Step 4: Submit the completed form along with the original policy document to the nearest branch of Aviva.


      Change in Policy Details

      Switch Fund

      Step 1: Chose your switch from the list of available switch types. Refer to the policy schedule for the same.

      Step 2 Complete the endorsement request form mentioning the required switch type, your client id and policy number.

      Step 3 Refer to the policy terms and conditions for the number of free switches.

      Step 4: As per your risk profile chose and decide on the percentage allocation for each switch.

      Step 5: Submit the completed form along with the original policy document to the nearest branch of Aviva.


      Mode change

      Premium payment could be done through a cheque or demand draft, direct debit from your account or from your credit card.

      Step 1: Choose your mode of payment

      Step 2: Fill up the endorsement request form. If you decide on direct debit from your account, do not forget to fill up the direct debit mandate instruction.

      Step 3: Submit to your nearest branch the completed request form with client id and policy number, the debit mandate and the relevant charge slip. Your branch would inform you about the availability of these facilities.

      Step 4: You could alternatively contact our customer service executive on 18001802266 for any further assistance.


      Frequency change

      Step 1: Decide between monthly, quarterly, half yearly or annual payment of premium. If you chose monthly, the payment is only through direct debit or ECS mode

      Step 2: Complete the endorsement request form for change in frequency, duly signed by policy holder and witness.

      Step 3: Complete the debit mandate instruction form, if you chose monthly payment of premium.

      Step 4: Submit the completed form to your nearest branch which would also inform you about the availability of your option.


      Change in cover Level

      You could change your level of cover depending upon the terms and conditions of the policy

      Step 1: Decide on the change required in cover.

      Step 2: Complete the endorsement request form with client id, policy number and policyholders name.

      Step 3: Submit the completed form, duly signed by the life insured and the policy holder, to the nearest branch along with your original policy document.


      Bank Account Registration

      Bank Account Registration For Direct Account Transfer


      Policy Assignment

      In case you wish to Assign your policy, you will need to fill up the available request form and submit it at your nearest AVIVA branch office along with following documents:

      1. Assignment Form

      2. Your Original policy document

      3. 1 Photograph of the assignee

      4. Identity proof of assignee

      5. Address proof of assignee

      On submission of the duly filled and signed Assignment form along with requisite documents, your request will be treated as an adequate notice of assignment of the policy by the customer.

    • e-Insurance Account Opening Forms

      The objective of creating an insurance repository is to provide policyholders a facility to keep all his insurance policies in electronic form in one account and to undertake changes, modifications and revisions in the insurance policy with speed and accuracy. Only one time submission of KYC documents required.

      You can opt to open the Electronic Insurance Account (eIA) with any of the 5 Insurance Repositories (IR) mentioned below:

      1.Download and fill the relevant form- New account opening or existing account updation

      2.You can visit the nearest Aviva branch and submit the duly filled form along with the KYC documents (list mentioned below)

      3.For further assistance or queries you may contact us at 1800-103-7766 toll free or e-mail us at customerservices@avivaindia.com 

      Click here to view the forms.

      KYC Documents - Any one of the below mentioned proofs need to be submitted:

      Identification Proof
      Address Proof
      Pan Card
      Ration card/ Passport/ Aadhar/ Voter id card/ Driving License/ Bank passbook (<6 months old)
      UID or Aadhar Card
      Verified copies of:
      Electricity bills or Residence Telephone bills(not more than 6 months old).
      Registered Lease and License agreement / Agreement for sale
       
      Self-declaration by High Court and Supreme Court judges, giving the new address in respect of their own accounts
       
      Identity card/document with address, issued by:
      Central or State governments/ Statuatory or regulatory authorities/ PSUs/ Scheduled commercial banks/ Public financial institutions.
      College affiliated to universities/ Professional bodies.

       

          More frequently asked questions

          • NEFT - Would the customer receive an acknowledgement of money credited to the beneficiary?

            A- No, however electronic acknowledgement is generated for the customer that his money is received by the beneficiary at the sender branch.

          • NEFT - Can I send/receive funds from/to NRI accounts?

            A- Yes, subject to applicability of provisions of FEMA 

          • NEFT - Can I originate a transaction to receive funds from another account?

            A- No

          • NEFT - Can I send remittances abroad using the NEFT?

            A- No.

          • NEFT - Can I receive foreign remittances through NEFT?

            A- This system can be used only for remitting Indian Rupee among the participating banks within the country.

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