FAQs

Survival benefit is given to the policy holder during the policy tenure. As per the terms and conditions of some products, a certain predetermined amount is paid to the insured after regular intervals. Survival benefit applies only in cases where the insured person is alive.”

We will send you an advance intimation along with Survival Payout Form to your registered mobile number/ email id before the due date

To enable hassle free payouts on due date, ensure your contact details (mobile number, email id and address, bank account details, and PAN no.) are updated. In case you need to reconfirm or update please log in into MyAviva.

Download and fill the Survial Benefit Form along with other documents mentioned in the form

Mandatory documents:

• A canceled cheque with your name and account number or a bank statement from the last three months.
• A self-attested photo ID proof.
• CRS/FATCA addendum if your tax jurisdiction is outside India.

Steps for Survival Benefit Submission

You can submit the documents at your nearest Aviva Life Insurance India Branch

• Courier to Aviva Life Insurance India Head Office : Head Office: Claims Team 401-A, 4th Floor, Block A, DLF Cyber Park,Sector-20, NH-8, Gurugram,Haryana-122 016, India
• You can also share the documents at customerservices@avivaindia.com from your registered email id.

Important notes :

• Submit only a masked copy of your Aadhaar card, showing only the last 4 digits.
• If visiting a branch, carry original documents for verification.
• For NRE accounts, provide a pre-printed cancelled cheque of the NRE account and a self-attested bank statement/passbook reflecting all premiums paid through the NRE account.

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Death Claim Process

In the unfortunate event of the policyholder’s death, Aviva Life Insurance is committed to providing a smooth and hassle-free claims process for the beneficiaries. To ensure timely processing of the death claim. Please submit the following documents Documents Required are:

• Original Death Certificate or attested copy thereof issued by Municipal Authorities
• Original Policy Document (s)
• Death Claim Form duly filled and signed by claimant
• Last Medical Attendant’s Report
• Copy of Claimant’s current address proof (For example: Aadhar card, Passport, Ration Card, Voter’s ID, Driving License)
• Photo id proof of claimant
• Masked Aadhaar card copy only
• Copy of Claimant’s Photo ID proof which establishes relationship with Life Assured
• Copy of signed Cancelled cheque/Bank Statement/Bank Passbook with pre printed name and Account number of claimant.
• Copies of all past Medical Records, Diagnostic Test Reports, Discharge/ Death summary
• Pan card of the Nominee
• Employer’s questionnaire if the Life Assured was Salaried

In case of accidental/ unnatural death, in addition to the above, the following documents are also required

1. Copy of First Information Report ( FIR)

2. Copy of Post Mortem Report, Viscera Report

3. Police Final Investigation Report

4. Newspaper cutting (If available)

All the documents need to be self-attested CRS form is to be submitted only if Tax Jurisdiction is outside India. Please click and download the form

Submission of the Documents

• kindly share the scan copies of all the required documents and send it to us at customerservices@avivaindia.com
• Visit your nearest Aviva branch
• Courier the hard copies to Aviva’s Head office in the name of Aviva Life Insurance Co. India Ltd. with Policy Holder name, policy no. , beneficiaries name , mobile no.

Head office Address : Claims Team: Aviva Life Insurance Company India Limited, 401-A, 4th Floor,Block A, DLF Cyber Park,Sector-20, NH-8, Gurugram,Haryana-122 016, India.

Please be informed that as per the “Know Your Customer (KYC)” guidelines, kindly share any of the below mentioned officially valid documents as an ID proof

a) Passport

b) Voter's Identity Card issued by Election Commission of India

c) Driving License

d) Job Card issued by NREGA duly signed by an officer of the State Government

e) Letter issued by the Unique Identification Authority of India or National Population Register containing details of name, address and Aadhaar number.

Masked Aadhaar card copy only

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In the unfortunate event of the death of an Aviva policyholder, we assure you of our full support in processing your claim at the earliest and will assist you through the entire claims settlement process.

We assign each claim to a dedicated Claim Personal Manager who will take care of the claim till the final settlement. The name and contact details of the Claim Personal Manager will be conveyed in the letters, SMS, and over call. On receipt of the claim, Claim Personal Manager calls and guides the claimants about the entire process and expected claim settlement timelines.

We request you to intimate a death claim through any of the following options:

• Click here to file a claim
• Online intimation by emailing us at Claims@avivaindia.com
• Contact as at Toll Free Customer Services Helpline 1800-103-7766/01242709046
• Visit your nearest Aviva Life Insurance branch
• Write to us at,
  Claims Department
  Aviva Life Insurance Company India Limited,
  401-A, 4th Floor,Block A, DLF Cyber Park,Sector-20, NH-8, Gurugram,Haryana-122 016, India.

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A Claim Personal Manager takes care of the claim till the final settlement. The name and contact details of the Claim Personal Manager will be conveyed in the letters, SMS, and over call. On receipt of the claim request, Claim Personal Manager calls and guides the claimants about the entire process and expected claim settlement timelines. We will keep you updated on the claim status through Letters, Calls and SMS. We request you to update with your latest communication address and contact number in our records.

To check the status of Claims, please use the following options :

• Track your claim – Click Here
• Write to us at claims@avivaindia.com
• Contact us at our Customer Service Helpline Number 1800-103-77-66 or 0124-2709046

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Please refer our website Home page to know the Claim settlement Ratio. Click on Existing Customer tab to know Claim Settlement Ratio

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All claim payouts are directly transferred to the Claimant/Beneficiary/Insured’s Bank Account. To facilitate the payout, please submit updated Bank Account details at the time of intimation. For more details, please refer to Death and Rider claim handouts It is mandatory to submit a signed Cancelled Cheque for Direct Transfer of funds. In case the payee’s name is not pre-printed on the cheque leaf, kindly submit the NEFT mandate form available on the Aviva website or any Aviva Branch. For NRE Accounts, kindly submit Bank Statement/Passbook copy of NRE Account from which premiums are remitted.

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Please refer to the following links for the list of documents required to submit the Rider Claim

Rider Claim Handout (Please refer form to know all the required documents)

Employer Questionnaire if the Life Assured is Salaried

CRS / FATCA Addendum is to be submitted only if Tax Jurisdiction is outside India To process your rider claim, please submit the above documents at any Aviva branch or courier it to our Head Office. All documents should be self-attested

Write to us at:

Claims@avivaindia.com

Aviva Life Insurance Company India Limited,

401-A, 4th Floor,Block A, DLF Cyber Park,Sector-20, NH-8, Gurugram,Haryana-122 016, India.

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Browse your policy

You can get your policy details by logging in to MyAviva:

• After login, click on the “Manage my Policy” tab
• Under the ' Manage my Policy ' tab, click on “My Policy Details” to get all the details.

Policy details via SMS

To access your policy details on your mobile phones, please follow the below steps:

• Register your mobile number with us. In order to register your mobile number / contact details with us, log on to MyAviva.
• Go to ‘Compose New Text Message’ on your mobile device
• Type <Keyword> <Policy Number> and send it to +91-9880102266. Choose a Keyword from the list given below. (Example: POLSTAT 12345678)
• You will receive a response on your registered mobile number with the requested information

List of SMS Keywords to access relevant policy information:

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You can check your premium amount and due date of your policy via My Aviva

• After login, click on the “Manage my Policy” tab
• Under the ' Manage my Policy ' tab, click on “My Policy Details” to get all the details.

Alternatively, you can also connect with us:

• By writing us at customerservices@avivaindia.com along with your concern.

Policy details on IVR

Call @ 1800 103 7766

1. Select Your Language

2. Press “5” for any other query regarding your policy

3. Press "2" to know your policy specifications or the status of your proposal/policy

Note: Please call from your registered mobile number.

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Fund Value

The value of Unit linked policy is the fund value. In simple terms, it is the total value of units that you hold in funds.

In a Unit Linked Insurance Plan (ULIP), the premiums paid are converted into units and these units are then invested in the market. Based on market performance, the Fund Value of your policy is calculated. Fund Value depends on the number of units and the Net Asset Value (NAV) of the units invested in.

Checking daily Fund Value

Follow the below steps to keep track of your Fund Value -

My Aviva

• Log in to My Aviva
• Click/Select “Manage my Policy” and then click/select “My policy details” tab under “Manage my Policy”
• Click on “Fund Value” tab on the “My policy details” page.
  • Click on “Fund Value” tab on the “My policy details” page.

SMS Service

You can also check your Fund Value via Policy details SMS services :

• Type FVAL and send it to +91-9880102266.

Self Service (IVR)

You can also call us on our Self service IVR. Please follow the steps.

Call @ 1800 103 7766

• Select Your Language
• Press “5” for any other query regarding your policy
• Press "2" to know your policy specifications or status of your proposal/policy

Note: Please call from your registered mobile number.

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Switching enables you to change the fund options for the funds already existing in your policy account.

Redirection enables you to change the fund options for the new money allocation i.e. for the future renewal premiums to be paid.

Steps to do switch

You can perform a fund switch online via MyAviva

Under “Manage my Policy” tab click on “Switch my funds” tab to proceed

Alternatively, you can fill the Financial Endorsement Form and submit the same at any Aviva Branch or courier it to Aviva’s Head Office.

Click here to locate the Aviva branch nearest to you.

Steps to do Premium Redirection

You can perform premium redirection online via MyAviva, please follow the below given steps:

1. Once you’re logged in, click on the “Manage my Policy” tab

2. Under “Manage my Policy” tab click on “Premium redirection” tab to proceed

Alternatively, you can fill the Financial Endorsement Form and submit the same at any Aviva Branch or courier it to Aviva’s Head Office.

Click here to locate the Aviva branch nearest to you.

Please Note: If you have taken the plan online, please carry/attach your ID proof (submitted while taking the policy).

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If your policy is a Unit Linked Plan, then the premiums paid are converted into units and these units are then invested in the market. On the basis of their performance in the market, the Fund Value of your policy is calculated. Fund Value depends on the number of units and the Net Asset Value (NAV) of the units invested in.

We would strongly recommend that you continue with the policy and enjoy the long-term benefits of the contract. As must be in the PQIS, it is anticipated that the policy shall generate high returns post the completion of a longer tenure. Also, it is noteworthy that the policy contract is highly flexible, allowing you with the option of switching and redirecting your investment in the available fund options, allowing you to take maximum advantage of the market conditions

Switching enables you to change the fund options for the funds already existing in your policy account.

Redirection enables you to change the fund options for the new money allocation i.e. for the future renewal premiums to be paid.

You can perform fund switch online by logging in to MyAviva:

1. Once you login, click on the “Manage my Policy” tab

2. Under manage my Policy” tab click on “Premium redirection”tab to proceed

Alternatively, you can fill the Financial Endorsement Form and submit the same at any Aviva Branch or courier it to Aviva’s Head Office

Please Note: If you have taken this plan online, please also carry your age ID proof (submitted while taking the policy).

Click here to locate the Aviva branch nearest to you.

Head Office: 401-A, 4th Floor,Block A, DLF Cyber Park,Sector-20, NH-8, Gurugram,Haryana-122 016, India.

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Aviva investor is a global asset management company that provides a wide range of investment solutions to clients around the world

To know updated information regarding the funds: Please click on below link.

https://www.avivaindia.com/FundsInvestments

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You can update your personal details like PAN, Contact details and Address details online through

• Aviva’s Customer Portal MyAviva

1. Once your logged in, click on the 'My Profile' tab.

2. Under the 'My Profile' tab, click on the type of details you want to update.

• Non Financial Endorsement Form

You can fill the Non Financial Endorsement Form and submit the same at any Aviva Branch or courier it to Aviva’s Head Office.

Please Note: If you have taken the plan online, please also carry your age ID proof (submitted while taking the policy).

Click here to locate the Aviva branch nearest to you.

Head Office: 401-A, 4th Floor,Block A, DLF Cyber Park,Sector-20, NH-8, Gurugram,Haryana-122 016, India

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You can update your nominee/appointee details online –

• logging in to MyAviva

1. Once you login, click on the “Manage my Policy” tab

2. Under the ' Manage my Policy ' tab, click on “View/Update Nominee Details” to update

Or

You can fill the Non Financial Endorsement Form and submit the same at any Aviva Branch or courier it to Aviva’s Head Office.

Click here to locate the Aviva branch nearest to you.

Head Office: 401-A, 4th Floor,Block A, DLF Cyber Park,Sector-20, NH-8, Gurugram,Haryana-122 016, India.

Please Note: If you have taken this plan online, please also carry your age ID proof (submitted while taking the policy).

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In case you have misplaced your policy document we can issue you a duplicate policy document. In order to re-issue the hard copy of a duplicate policy document. Customers need to submit following documents at any Aviva branch.

1. Non -Financial Endorsement Form

2. Issuance fee of Rs.250/- +GST (Cash/Cheque/NEFT). Click the link below to pay: https://www.avivaindia.com/content/neft-national-electronic-fund-transfer 
or you can simply pay here (https://online.avivaindia.com/econnect/Pages/ShortPaymentDirect.aspx)

3. Colour passport size photograph

4. Copy of Photo ID proof (carry original, if you visit branch)

5. Indemnity on Rs. 100 stamp paper (Format attached)

6. Premium remittance proof (Self-Attested copy of bank Statement/Passbook from which premium is remitted showing remittance entry) or inception Photo ID proof (submitted while taking the policy).

7. Duly signed authorization letter in case the request is made from a third party (Parents, Spouse, Children)

Alternatively, you can also submit the same documents at any Aviva Branch or courier it to Aviva’s Head Office.

Click here to locate the Aviva branch nearest to you.

Head Office: 401-A, 4th Floor,Block A, DLF Cyber Park,Sector-20, NH-8, Gurugram,Haryana-122 016, India.

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Your existing plan cannot be changed. However, you can opt for a new policy as per your current requirements (subject to underwriting). You can get details about all Aviva products on our Aviva website or you call call us on our Tollfree number 18001037766 or 0124-2709046.

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Policy Assignment means transferring the rights of a life insurance policy from one person to another The person who assigns the insurance policy is called the Assignor (policyholder) and the one to whom the policy has been assigned, i.e. the person to whom the policy rights have been transferred is called the Assignee.

Once the rights have been transferred from the Assignor to the Assignee, the rights of the policyholder stands cancelled and the assignee becomes the owner of the insurance policy.

In order to assign your policy, please submit the below mention list of documents at any Aviva branch.

1. Assignment Form

2. Assignee ID Proof policy document

3. Assignee address proof

4. Assignee photo

5. Income proof if premium is greater than 1 Lakh

6. In case of third party individual, bank statement showing amount credited and loan agreement is required

7. FATCA/CRS Form of assignee and assignor

Re-assignment

Re-assignment refers to assigning the policy back to the original owner.

For Re-assignment, you need to submit following documents at any Aviva branch.

1. NOC letter from assignee

2. Original Policy documents

3. Photo –id proof of the Owner

4. FATCA/CRS Form of policy holder

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In order to change your name, please follow the below options:

MyAviva

1. Once your logged in, click on the “My Profile” tab

2. Under the ' My Profile' tab, click on “Name change” to do the needful

Also, you can send the below required details dully filled from your registered mail ID at customerservices@avivaindia.com.

1. Non-Financial endorsement form

2. Copy of ID Proof with new name

3. In case of a complete name change, government gazette official document is required to be submitted like an affidavit or an advertisement in newspaper publication and in case of changes in the name post marriage, a self-attested letter on a plain paper or Marriage Certificate is required to be submitted.

You may also give your Name Rectification Request through any of the following methods: 
You can also submit the hard copy of Non-Financial Endorsement Form at your nearest Aviva branch with documents mentioned above.

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We request you to share the below details to further process your Date of birth change request.

1. Valid Date of Birth proof with name.

2. Non-Financial Endorsement Form.

Note: Please send the required details dully filled from your registered mail ID at customerservices@avivaindia.com

You may also give your Date of Birth change request through any of the following methods:

• - You can also submit the hard copy of the Non-Financial Endorsement form at your nearest Aviva branch with above mentioned documents. Please carry your age id proof (submitted while taking the policy).

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In order to change the residential status of customer from an Indian to NRI or vice-versa, customers need to send below mentioned documents to customerservices@avivaindia.com

1. Customer request from registered email id

2. Residential proof- Photo ID and Address Proof

3. FATCA/CRS Form

Change of address for NRI

In order to change the change the address of NRI customer, they need to send below mentioned documents to customerservices@avivaindia.com

1. Email from the registered ID

2. Non - Financial Endorsement form or customer request

3. Address proof (Valid Overseas adress proof)

4. FATCA/CRS form if address to be updated other side India

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In order to do the Vesting, kindly submit the below mentioned list of documents at any of the nearest Aviva branch.

1. NOC (No Objection Certificate) letter from the previous owner

2. Photo ID proof of the Life Assured

3. FATCA/CRS Form of Life Insured

4. SOPs (Set of possible signatures) of Life Insured attested by previous owner.

5. Non-Financial endorsement form to update new owner contact details.

Click here to locate the Aviva branch nearest to you.

Note: - In case of demise of the previous owner, please submit a death certificate and bank attested SOP Form along with above mentioned documents.

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In order to transfer ownership of the policy, kindly submit the below mentioned list of documents at any of the nearest Aviva branch.

1. Death certificate of policy holder

2. Relationship proof

3. Standard age proof / address proof of new owner / CKYC document if policy is active

4. Policy bond

5. Succession certificate (if other than husband -wife)

6. Sole/multiple legal heir form on 100rs stamp paper attested by notary

Click here to locate the Aviva branch nearest to you.

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In order to change the signature, kindly submit the below mentioned list of documents at any of the nearest Aviva branch.

1. Signature Change Request Form with bank attestation

2. Bank Account Proof of the account basis which bank certification was done on Signature Change Form

3. Copy of Photo ID proof (Carry original for verification)

4. Pre-printed cheque leaf with customer name, account number & IFSC Code or 3 months bank account statement* / passbook copy to be OSV (original seen &verified).

Click here to locate the Aviva branch nearest to you.

*Online bank statement will be accepted only with affixed bank stamp along with a cancelled cheque leaf.

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In order to change the Trustee, kindly submit the below mentioned list of documents at any of the nearest Aviva branch.

1. MWPA form

2. NOC from policy holder and old trustee/death certificate

3. Policy bond

4. Address proof of new trustee

5. Standard age proof of new trustee

Click here to locate the Aviva branch nearest to you.

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The life insurance cover in your existing policy cannot be modified, if it’s not allowed as per your policy t&c. However, you can apply for a new policy to get adequate life insurance (subject to underwriting).

Or

Call our product experts on the Toll-free number 1800-103-7766 to know more about products specific to your requirement.

Or

Visit our website www.avivaindia.com to browse through our wide range of products

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You can change your premium frequency online by logging in to MyAviva:

1. Once you login, click on the “Manage my Policy”

2. Under the ' Manage my Policy ' tab, click on “Change payment frequency” to update

Please note that premium payment frequency options vary based on the policy.

Please note that monthly frequency is only available with Direct Debit/NACH/Credit Card mode. Kindly visit any Aviva branch and submit the Financial Endorsement Form, Auto Pay Mandate Form (available at branch) with copy of Photo id proof.

One Time processing fee is 100 INR + GST = Rs.118 /- (For Non Ulip polices)

You can make the payment via National Electronic Fund Transfer (NEFT): Pay from your bank account

Click the link - https://www.avivaindia.com/content/neft-national-electronic-fund-transfer

Or

Click here to pay the fee https://online.avivaindia.com/econnect/Pages/ShortPaymentDirect.aspx

Head Office: 401-A, 4th Floor,Block A, DLF Cyber Park,Sector-20, NH-8, Gurugram,Haryana-122 016, India.

Click here to locate the Aviva branch nearest to you.

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To change your premium payment mode from online to cash, please follow the below steps:

Login to customer portal MyAviva:

1. Click on manage my policy

2. Click on Change payment mode

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You can perform a fund switch online via MyAviva:

Under “Manage my Policy” tab click on “Switch my funds” tab to proceed

Alternatively, you can fill the Financial Endorsement Form and submit the same at any Aviva Branch or courier it to Aviva’s Head Office.

Please Note: If you have taken this plan online, please also carry your age ID proof (submitted while taking the policy).

Click here to locate the Aviva branch nearest to you.

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You can perform premium redirection online via MyAviva: 
please follow the below given steps:

1. Once you’re logged in, click on the “Manage my Policy” tab

2. Under “Manage my Policy” tab click on “Premium redirection” tab to proceed

Alternatively, you can fill the Financial Endorsement Form and submit the same at any Aviva Branch or courier it to Aviva’s Head Office.

Click here to locate the Aviva branch nearest to you.

Please Note: If you have taken the plan online, please carry/attach your ID proof (submitted while taking the policy).

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Update Bank Account on Customer portal

You can update your bank account details online

logging in to MyAviva:

1. Once you login, click on the 'My Profile' tab.

2. Under the 'My Profile' tab, click on “Update Bank Account details” to update

Update Bank Account in branch

You can fill the Non Financial Endorsement Form and submit the same at any Aviva Branch or courier it to Aviva’s Head Office or writer us @ customerservices@avivaindia.com along with below documents

Documents required:

1. Cancelled Cheque with pre-printed Name, Account Number and IFSC code or Bank Statement/Pass book reflecting the latest 3 months’ transactions

2. Copy of Photo ID proof

Click here to locate the Aviva branch nearest to you.

Head Office: 401-A, 4th Floor,Block A, DLF Cyber Park,Sector-20, NH-8, Gurugram,Haryana-122 016, India.

Please Note: If you have taken this plan online, please also carry your age ID proof (submitted while taking the policy).

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What is CKYC?

CKYC stands for Central KYC, which is a centralized repository for storing customers' personal information. Earlier, customers had to complete the Know Your Customer (KYC) process separately for each financial product and institution.

With CKYC customer can use their KYC information across banks, mutual funds, insurance companies, and NBFCs (Non-Banking Financial Companies).

The CKYC program was announced by the Government of India in the 2012-13 Union Budget and became operational in July 2016. It is managed by the Central Registry of Securitization and Asset Reconstruction and Security Interest in India (CERSAI).

Update CKYC details

You can check your CKYC number and status online by visiting the web portal of financial institutions providing a CKYC check facility.

• To update your CKYC, login to MyAviva: and submit your request for CKYC ID generation and complete your update.

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Benefits of an E-Insurance account

• Manage all your life insurance policies from a single account
• Physical policy documents not required
• KYC documents are not required for purchase of new life insurance policies once KYC documents are submitted and E-insurance Account is opened
• Opening an E-insurance Account is free
• Changes in contact details get auto updated in all your policies across all life insurers

Process to open E-Insurance

e-Insurance Accounts can be opened through any of the following entities:

1. NSDL Database Management Limited

2. Central Insurance Repository Limited

3. Karvy Insurance Repository Limited

4. CAMS Repository Services Limited

Please provide the below documents in order to process the request to open an e-Insurance Account at any Aviva Branch or courier it to Aviva’s Head Office:

1 - E-Insurance Account Opening Forms - To access the forms for all the 4 entities click here

2 - Photo ID proof of policy owner.

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Locate Nearest Aviva center

Click here to locate the Aviva branch nearest to you for your specific needs.

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We would strongly recommend you to continue your policy and enjoy its long-term benefits.

However, if you still wish to cancel the policy during the Free-look period, please submit the following documents at any Aviva branch or courier it to Aviva’s Branch/ Head Office:

• Payout Form duly filled and signed by the Policyholder
• Original Policy Document
• Photo Identity Proof (in case of courier, the copy needs to be attested by Govt Gazetted Officer)
• Recent Colored Photograph
• Original Cancelled Cheque with pre printed name and account number or Bank Statement/Passbook
• having pre-printed name & account number (in case of courier, the bank statement copy/ passbook
• copy needs to be attested by Govt Gazetted Officer)

Additional documents required for NRI customers:

• If either Residential Status is “NRI” or Tax jurisdiction is “Yes”, kindly fill the CRS/FATCA Addendum available on Aviva Website or at any Aviva Branch
• Foreign KYC
• All Premium Remittance proof, in case payout is required in NRE bank account.

Note: NRI policyholders will have the option to get the photo ID attested as a true copy by any of the below:

1. Indian embassy in the country of residence

2. Banker's verification

3. Notary or Gazetted officer equivalent, who is authorized to attest documents in the country of residence.

Click here to locate the Aviva branch nearest to you.

Head Office: Payout Team : 401-A, 4th Floor, Block A, DLF Cyber Park, Sector-20, NH-8, Gurugram, Haryana-122 016, India.

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Unclaimed amount is money due to policyholders or beneficiaries in the form of policy surrender, cancellation, maturity claim, survival benefits, premium refunds etc. (including accrued interest), but has not been claimed for more than 6 months since the settlement date/ due date.

You can check if there is any unclaimed amount against your policy by visiting our website.

In order to process the payout request, please submit the following documents at any of the nearest Aviva Branch or you may also courier the hard copy of documents at Aviva’s Head office:

Aviva Life Insurance Company India Ltd.

Payout Team, 401-A, 4th Floor, Block A, DLF Cyber Park, Sector-20, NH-8, Gurugram, Haryana-122016

• Payout Form duly filled and signed by the Policyholder. Click here to download the same
• Original Policy Document
• Self-attested copy of Photo Identity Proof (Carry the Original document for verification)
• Recent Colored Passport Size Photograph
• Original Cancelled Cheque with pre-printed name and account number or latest 3 months Bank Statement/Passbook with pre-printed name & account with transaction on it.
• If either Residential Status is “NRI” or Tax jurisdiction outside India is “Yes”, kindly fill the CRS/FATCA Addendum. Click here to download the same.

If Original Policy Document is not submitted, then kindly submit following additional documents:

• Self-Attested copy of Bank Statement/Passbook from which Premium is remitted showing remittance entry of last annualized premium. In case of any change/endorsement in your policy details in last one year it should be last 2 years annualized premium proof.
• Alternatively, you may also submit Self-Attested copy of inception ID/Age Proof in lieu of premium remittance proof.

For NRI Customer:

If customer needs the payout amount in his/her NRE account, we require premium remittance proof of all premiums paid confirming premiums were paid through NRE bank a/c only. In case remittance proof is NOT available, the payout can be processed via NEFT to your NRO/Indian saving account

If the policy owner (Indian Resident) is sending the request by post/courier, supporting documents must be certified.

Class I & II Gazetted officer should certify True Copy of supporting documents.

By Courier (NRI/PIO Customer ): In case of courier OR documents being submitted by third party, all the photocopies must be attested by any of the below authorities.

• Indian Embassy of country of residence
• Banker of the country of residence
• Notary or Gazetted officer equivalent in the current country

By Third Party

In case the third party (Spouse, children, Parents, Sibling) is submitting the request on behalf of the policy owner at any of the nearest Aviva branch, third party needs to carry the following additional documents along with the above-mentioned requirements:

• An authority letter duly singed by the policy owner.
• Authorized person to carry his / her own original photo ID and a self-attested copy of the same (which establishes relation with the policy owner).

Note - All photocopies must be self-attested by the policy owner.

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Common Applicable sections

Following are the most common applicable sections of Income Tax Act relevant for various categories of policies:

Section 10(10D) – Exemption of Life Insurance policy payouts provided relevant conditions of law are satisfied.

Section 80C and 80CCD – Deduction from Total Income in respect of Life Insurance and Pension policy Premium

Section 80D – Deduction from Total Income in respect of Health Insurance policy Premium – Deduction from Total Income in respect of Health Insurance policy Premium

Section 194DA –Tax deduction from payouts not covered under Section 10(10D) in respect of Life Insurance Policies for policyholders resident in India

Section 195 – Tax deduction from payouts not covered under Section 10(10D) in respect of Life Insurance Policies and other payouts say pension policy surrender for policyholders non resident in India Please click https://incometaxindia.gov.in/pages/acts/income-tax-act.aspx for further details.

Current GST rate

Following are the GST rates applicable for different types of policies:

Rates applicable as on October 9, 2018. Rates are subject to change from time to time.

Update GSTIN number

You can fill the Non Financial Endorsement Form and submit it at any Aviva Branch. Click here to locate the Aviva branch nearest to you.

Courier it to Aviva’s Head Office (Head Office Address:401-A, 4th Floor, Block A, DLF Cyber Park, Sector-20, NH-8, Gurugram, Haryana-122 008, India.) Email it to us customerservices@avivindia.com with dully filled Non Financial Endorsement form.

Head Office:401-A, 4th Floor, Block A, DLF Cyber Park, Sector-20, NH-8, Gurugram, Haryana-122 008, India.

Click here to locate the Aviva branch nearest to you

Avail GST Nil for NRI customers

GST levied on life insurance premium (initial as well as renewal) paid by Non-resident customer could be Nil, if Aviva life Insurance Co. receives premium in foreign currency (through SWIFT process) or payment is done via NRE account in India. To avail GST waiver write to customerservices@avivaindia.com with below mentioned documents before 15 days of premium payment. Aviva Life Insurance Co. India Ltd. will have no obligation to refund GST once the GST is collected. This requirement has to be fulfilled every time a premium payment is made.

1. Payment instrument (copy of chq/SWIFT details /NRE bank statement showing premium payment)

2. Proof of residence (outside India).

3. Self Declaration – as provided herewith Self Declaration on plain paper/email from registered ID.

I_____, resident of address outside India, confirm that I will intimate Aviva Life Insurance Co. India Ltd. in case my residential status changes from Non-resident to resident Indian during the year. I will be responsible to indemnify Aviva Life Insurance Co. India Ltd. in case of any loss arises in relation to above.

Signature:-

Date:-

Proposal /Policy No.:-

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Partial Withdrawal facility/option is available in specific products. Please check the Terms & Conditions of your policy to know if you can avail this facility.

You can then submit the following documents at any Aviva Branch or courier it to Aviva’s Branch/ Head Office to avail the unclaimed amount if any:

• Payout Form duly filled and signed by the Policyholder
• Original Policy Document
• Self-attested Photo Identity Proof (in case of courier, the copy needs to be attested by Govt Gazetted Officer)
• Recent Colored Passport Size Photograph
• Original Cancelled Cheque with pre-printed name and account number or Bank Statement/Passbook having Pre-printed name & account number (in case of courier, the bank statement copy/ passbook copy needs to be attested by Govt Gazetted Officer)
• If Either Residential Status is “NRI” or Tax jurisdiction outside India is “Yes”, kindly fill the CRS/FATCA Addendum. click here to download the form.

Note:

NRI Customer: If you need the payout amount in your NRE account, we require premium remittance proof of all premiums paid confirming premiums were paid through NRE bank a/c only. In case remittance proof is NOT available, the payout can be processed via NEFT to your NRO/Indian saving accountd

If the policy owner (Indian Resident) is sending the request by post/courier, supporting documents must be certified.

- Class I & II Gazetted officer should certify True Copy of supporting documents.

By Courier (NRI/PIO Customer ): In case of courier OR documents being submitted by third party, all the photocopies must be attested by any of the below authorities.

• Indian Embassy of country of residence
• Banker of the country of residence
• Notary or Gazetted officer equivalent in the current country

By Third Party

In case the third party (Spouse, children, Parents, Sibling) is submitting the request on behalf of the policy owner at any of the nearest Aviva branch, third party needs to carry the following additional documents along with the above mentioned requirements:

• An authority letter duly singed by the policy owner.
• Authorized person to carry his / her own original photo ID and a self-attested copy of the same(which establishes relation with the policy owner).

Note - All photocopies must be self-attested by the policy owner.

Head Office:

Payout Team : 401-A, 4th Floor, Block A, DLF Cyber Park, Sector-20, NH-8, Gurugram, Haryana-122 016, India

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Life insurance contracts are long-term contracts and the longer you keep paying the premiums, the better the benefits are. There are several factors which you should consider before surrendering your policy:

• You will be deprived of the valuable security of life cover.
• Since your age would be increasing, you will have to pay more premium if you purchase a similar policy again.
• As you have not paid the premium for full term and there are several expenses and charges incurred to cover the risk, you may receive only a portion of what you paid as premium.

Therefore, we would strongly recommend you to continue your policy and enjoy its long-term benefits.

However, if you still wish to surrender the policy, please submit the following documents at any Aviva branch or courier it to Aviva's Branch/ Head Office:

1. Surrender Payout Form duly filled and signed by the Policyholder (available at any Aviva branch)

2. Original Policy Document

3. Photo Identity Proof (in case of courier, the copy needs to be attested by Govt Gazetted Officer)

4. Recent Colored Photograph

5. Original Cancelled Cheque with pre-printed name and account number or Bank Statement/Passbook having pre-printed name & account number (in case of courier, the bank statement copy/ passbook copy needs to be attested by Govt Gazetted Officer)

Additional documents required for NRI customers:

1. If either Residential Status is “NRI” or Tax jurisdiction is “Yes”, kindly fill the CRS/FATCA Addendum available on Aviva Website or at any Aviva Branch

2. Foreign KYC

3. All Premium Remittance proof, in case payout is required in NRE bank account.

Important Note: NRI policyholders will have the option to get the photo ID attested as a true copy by any of the below:

1. Indian embassy in the country of residence

2. Banker's verification

3. Notary or Gazetted officer equivalent, who is authorized to attest documents in the country of residence.

Click here to locate the nearest Aviva branch.

Head Office: Payout Team: 401-A, 4th Floor, Block A, DLF Cyber Park, Sector-20, NH-8, Gurugram, Haryana-122 016, India.

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HUF stands for Hindu Undivided Family. It offers specific advantages in terms of taxes. The Hindu Law defines the HUF as a family, which consists of males lineally descended from a common ancestor and includes their wives and unmarried daughters. The Income Tax Act 1961 and Wealth Tax Act 1957 recognizes HUF as an independent assessable or taxable entity. Hence, HUFs enjoy all deductions and exemptions under the Income Tax Act, independent of the income and tax liabilities of its members.

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Sign up for Aviva’s Customer Portal

Click here to visit the MyAviva: Page and Click on “Sign up”. You will be instructed step by step on the process

Features available on MyAviva

You can avail multiple features like below by logging in to your MyAviva account:

• Pay premiums online
• Download premium receipts, TDS certificates and e-Statements
• Update your personal details like PAN, Contact details and Address details
• Update your Bank Account Details
• Perform Fund Switch, Premium Redirection and Top up your policy
• Update your Nominee details

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Change of address for NRI

In order to change the change the address of NRI customer, they need to send below mentioned documents to customerservices@avivaindia.com

• Email from the registered ID
• Non - Financial Endorsement form or customer request
• Address proof (Valid Overseas address proof)
• FATCA/CRS form if address to be updated other side India
• It is mandatory to collect one Indian OVD (Official Valid Document) along with foreign non-standard id proof when customer not able to produce Valid NRI address proof.

Change of Residential status.

• In order to change the residential status of customer from an Indian to NRI or vice-versa, customers need to send below mentioned documents to customerservices@avivaindia.com
• Customer request from registered email id
• Residential proof- Photo ID and Address Proof
• FATCA/CRS Form

Avail GST Nil for NRI customers

GST levied on life insurance premium (initial as well as renewal) paid by Non-resident customer could be Nil, if Aviva life Insurance Co. receives premium in foreign currency (through SWIFT process) or payment is done via NRE account in India. To avail GST waiver write to customerservices@avivaindia.com with below mentioned documents before 15 days of premium payment. Aviva Life Insurance Co. India Ltd. will have no obligation to refund GST once the GST is collected. This requirement has to be fulfilled every time a premium payment is made.

Payment instrument (copy of chq/SWIFT details /NRE bank statement showing premium payment) Proof of residence (outside India).

Self Declaration – as provided herewith Self Declaration on plain paper/email from registered ID.

I_____, resident of (address outside India), confirm that I will intimate Aviva Life Insurance Co. India Ltd. in case my residential status changes from Non-resident to resident Indian during the year. I will be responsible to indemnify Aviva Life Insurance Co. India Ltd. in case of any loss arises in relation to above.

Signature:-

Date:-

Proposal /Policy No.:-

Impact on policy upon change in residential profile

Change of location will not have any impact on the life cover offered under any policy provided the relocation is taking place post policy issuance and if all due premiums are paid on time in the policy.

In case of an unfortunate incident, death of the life insured in any country will be covered, provided the residential status at the time of proposal has been disclosed correctly. We request you to get all your details updated in our records.

Please provide the following details @customerservices@avivaindia.com, so that we can update the same in our records and confirm, in case of any impact on your policy.

1. Date of travel

2. Duration

3. Reason of Shifting/re-locating

4. Residing Country

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