Dabur India Limited is a leading Indian consumer goods company with interests in Hair Care, Oral Care,Health Care, Skin Care, Home Care and Foods. From its humble beginnings in the bylanes of Calcutta way back in 1884 as an Ayurvedic medicines company, Dabur India Ltd has come a long way today to become a leading consumer products manufacturer in India. For the past 130 years, we have been dedicated to providing nature-based solutions for a healthy and holistic lifestyle.

Through our comprehensive range of products, we touch the lives of all consumers, in all age groups, across all social boundaries. And this legacy has helped us develop a bond of trust with our consumers. That guarantees you the best in all products carrying the Dabur name .

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.

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

To detail the procedure of availing cashless benefit and list of network hospitals to feature in this page

Here we can incorporate the appreciations received from our customers and upload videos, if any. Few such appreciations have already been shared with Marketing .

Branch walk in, intimation through website, toll free number, at address mentioned in policy document through post

In the unfortunate event of a critical illness, hospitalization, disability or death, please contact our Customer Services Helpline at 1800-1037766

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. click here.

The customers and claimants can also approach our Branch offices. Our Branch office personals are well versed with the claim process and documentation. Please find the list of Branches with address.

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(The exhautive list of all hospitals will be available in pdf format in this link)

• Why was the scheme introduced?

The incidence of fake Indian currency notes in higher denomination has increased. For ordinary people, the fake notes look similar to genuine notes, even though no security feature has been copied.The fake notes are used for anti-national and illegal activities. High denomination notes have been misused by terrorists and for hoarding black money. India remains a cash-based economy, hence, the circulation of fake Indian currency notes continues to be a menace. In order to contain the rising incidence of fake notes and black money, the scheme to withdraw the Rs 500 and Rs 1000 notes has been introduced.

• What is this scheme?

The legal tender character of the existing bank notes in denominations of Rs 500 and Rs 1000 issued by the Reserve bank of India till November 8, 2016 (hereinafter referred to as Specified Bank Notes) stands withdrawn. In consequence thereof, these bank notes cannot be used for transacting business and/or storage of value for future usage. These bank notes can be exchanged for value at any of the 19 offices of the Reserve Bank of India or at any of the bank branches or at any head post office or sub-post office.

• What value will I get for the old notes?

You will get value for the entire volume of notes tendered at the bank branches/RBI offices.

• Can I get cash for all old notes?

No. You will get up to Rs 4000 per person in case irrespective of the size of tender. Anything over and above that will be receivable by way of credit to bank accounts

• Why can’t I get the entire amount in cash when I have surrendered everything in cash?

The scheme does not provide for it, given its objectives.

• Rs 4000 cash is insufficient for my need. What do I do?

You can use balances in bank accounts to pay for other requirements by cheque or through electronic means of payments such as internet banking, mobile wallets, IMPS, credit/debit cards etc.

• What if I don’t have any bank account?

You can always open a bank account by approaching a bank branch with necessary documents.

• What if, if I only have a Jan-Dhan Yojana account?

A Jan-Dhan Yojana account holder can avail the exchange facility subject to the caps and other laid down limits in accordance with norms and procedures.

• Where can I go to exchange the notes?

The exchange facility is available at all issue offices of the RBI and branches of commercial banks/RRBS/UCBs/state co-op banks or at any head post office or sub-post office.

• Need I go to my bank branch?

For exchange of up to Rs 4000 in cash, you may go to any bank branch with a valid identity proof.

For exchange of over Rs 4000, which will be accorded through credit to bank account only, you may go to the branch where you have an account or to any other branch of the same bank.

In case you want to go to a branch of any other bank where you are not maintaining an account, you will have to furnish valid identity proof and bank account details required for electronic fund transfer to your account.

• Can I go to any branch of my bank?

Yes you can go to any branch of your bank.

• Can I go to any branch of any other bank?

Yes, you can go to any branch of any other bank. In that case you have to furnish valid identity proof for exchange in cash; both valid identity proof and bank account details will be required for electronic fund transfer in case the amount to be exchanged exceeds Rs 4000.

• I have no account but my relative/friend has an account, can I get my notes exchanged into that account?

Yes, you can do that if the account holder gives you permission in writing. While exchanging, you should provide to the bank evidence of permission given by the account holder and your valid identity proof.

• Should I go to the bank personally or can I send the notes through my representative?

Personal visit to the branch is preferable. In case it is not possible for you to visit the branch, you may send your representative with an express mandate, i.e. a written authorisation. The representative should produce authority letter and his/her valid identity proof while tendering the notes.

• Can I withdraw money from ATMs?

It may take a while for the banks to recalibrate their ATMs. Once the ATMs are functional, you can withdraw from ATMs up to a maximum of Rs 2,000 per card per till November 18. The limit will be raised to Rs 4000 per day per card from November 19.

• Can I withdraw cash against cheque?

Yes, you can withdraw cash against withdrawal slip or cheque subject to ceiling of Rs 10,000 in a day within an overall limit of Rs 20,000 in a week (including withdrawals from ATMs) up to November 24, after which these limits shall be reviewed.

• Can I deposit specified bank notes through ATMs, cash deposit machines or cash recycler?

Yes, specified bank notes can be deposited at cash deposits machines/cash recyclers.

• Can use the electronic mode (NEFT/RTGS /IMPS/ internet banking/mobile banking, etc.) ?

You can use NEFT/RTGS/IMPS/internet banking/mobile banking or any other electronic/non-cash mode of payment.

• How much time do I have to exchange the notes?

The scheme closes on December 30. The specified banknotes can be exchanged at branches of commercial banks, regional rural banks, urban cooperative banks, state cooperative banks and the RBI till December 30.

For those who are unable to exchange their specified bank notes on or before December 30, an opportunity will be given to them to do so at specified offices of the RBI, along with necessary documentation as may be specified by the central bank.

• I am not in India right now, what should I do?

If you have specified banknotes in India, you may authorise someone in writing, enabling the person to deposit the notes into your bank account. The person so authorised has to come to the bank with the specified banknotes, the authority letter given by you and a valid identity proof (valid identity proof is any of the following: Aadhaar card, driving license, voter ID card, passport, NREGA card, PAN card, identity card issued by the government, public sector unit to its staff.)

• I am an NRI and hold an NRO account, can the exchange value be deposited in my account?

Yes, you can deposit the specified banknotes to your NRO account.

• I am a foreign tourist and I have these notes, what do I do?

You can purchase foreign exchange equivalent to Rs 5000 using these specified bank notes at airport exchange counters within 72 hours after the notification, provided you present proof of purchasing the specified bank notes.

• I have an emergency need of cash (hospitalisation, travel, life-saving medicines). What should I do?

You can use the specified bank notes for paying for your hospitalisation charges at government hospitals, for purchasing bus tickets at government bus stands for travel by state government or state PSU buses, train tickets at railway stations, and air tickets at airports, within 72 hours after the notification.

• What is a proof of identity?

Valid Identity proof is any of the following: Aadhaar card, driving license, voter ID card, passport, NREGA card, PAN card, identity card issued by the government, public sector unit to its staff.

• Where can I get more information on this scheme?

Further information is available on our website (www.rbi.org.in) and the website of the finance ministry (www.finmin.nic.in). You may approach the control room of RBI by email or over the telephone: 022 22602201/022 22602944.

• What is the minimum eligibility criterion to become an advisor with Aviva?
  To be eligible to join Aviva Life Insurance as an advisor, you must meet the following eligibility criteria:

  • Age - 18 years

  • Education – 12th pass

• What qualities are needed to be a successful insurance advisor?
  
  We look for people who possess some of the following qualities:
  
  Enterprising
  Hardworking
  Disciplined
  Persuasive
  Works with perseverance
  Good at relationship building
  Possesses effective communication skills
  Initiative driven

• Whom do I approach in order to apply in Aviva as an advisor?
  
  You have 2 options:
  
  - Walk into the nearest Aviva Life Insurance office and talk to the concerned Agency Development Manager or Branch Manager. For checking the address of the branch nearest to you, go to the ‘Office Locator’ link under ‘Contact Us’ section. Else, please click the listed link. http://www.avivaindia.com/ContactUs/OfficeLocator.aspx 
  - Go to Apply Online and fill in your details. Our representatives will help you take it forward.

• Will I be required to undergo any training? 
  
  Your journey towards becoming a successful advisor will start with a mandatory IC-33 training. This is a 50hrs training post which you would be required to clear an online exam. You would get licensed once you clear this exam. This shall be followed by another mandatory training program which will cover the AVIVA products in detail, plus modules related to Capital Market, Anti-Money Laundering Guidelines and KYC norms. Subsequently, advisors are encouraged to undergo the specialized Certification Programs, which enable them to advise their clients on various financial needs. The entire training universe consists of programs spread across on-the-job training, classroom instruction and one-on-one coaching. In addition, initial support from the Sourcing Manager is available.

"It is not titles that honor men, but men that honor titles. Nothing worthwhile comes easy. Continuous work, persistence and hard work, is the only way to accomplish results that last. People who enjoy what they do, invariably do it well. I am associated with Aviva for approximately 12 years now. My own conviction and strong belief in Aviva’s plans has helped me achieve the Aviva’s Blue Riband Ambassador Award since inception of the company with 2 times “Hat Trick”, and several prestigious International accolades like MDRT, COT & TOT plus innumerous International visits.

I became a “Super Achiever” and have sourced the highest number of policies & have the distinction of holding the highest “Assets under Management” (AUM) of premium collected in the history of Aviva India to date. Apart from my pre-sales presentations, it is my post-sales packaging style & effective means of communication that has helped me win the trust of over 1300 customers across 30 countries. It gives me great pride to say that I am associated with Aviva, which has given me immense respect and recognition and I aim to achieve my target of 100 crores per annum under renewal premiums only and write my own success story!” - Engr. Pankaj Buckshey - Chief Financial Adviser

 

"I have completed 9 successful years with  Aviva in July 2013. AVIVA has not only fulfilled my dreams but also exposed me to a wonderful world. Since 2004 I have qualified for the most prestigious Blue Riband Ambassadors award for 9 times in a row. Aviva gave me opportunities to meet ‘The God of Cricket’- Sachin Tendulkar and ‘The Superstar of the Century’- Amitabh Bachchan. I have represented Aviva in conferences/seminars in 23 countries in these 9 years.  It is a matter of immense satisfaction for me that I am the only advisor to have done a hat-trick of being the #1 advisor for Aviva India ( for 2008-09, 2009-10, 2010-11). Join Aviva, it's magic." - Dinesh Tater

 

"All I ever wanted really, and continue to want out of life, is to give 100 percent to whatever I'm doing and to be committed to whatever I'm doing and then let the results speak for themselves. Also to never take myself or people for granted and always be thankful to my customers, company and people who supported me to reach my goals.

During My 3 year association with Aviva all my ideas have turned into reality and with 12 yrs of experience in financial market my husband has always guided me.

My efforts and courage was enough to achieve my purpose of being in top 5 advisors and I surely want to see myself at No.1 position in customer services, retention and persistency in times to come." - Priya Sharma

 

"Aviva – has given me true joy of life, a respected platform to earn, learn and develop into the successful professional that I have become. Keeping things simple has been the key to it all. Having said so I surely would say one thing, this wouldn’t happen without my team – I am grateful to these people, even in the tough times have made it so easy and enjoyable to work in today’s  market . we have gone from strength to strength and assure to continue doing so. The only way to continuous  success is to keep developing . I pledge to continue in my efforts of making Aviva as proud of me as I am of Aviva." - Priya Louis

"My 7 years of association with Aviva can be best described as Magical. During these 7 years I have always believed in offering complete, comprehensive and customized financial solutions to my clients.  The one most important insight that I have gained in the last 7 years is that we are in a very simple business and least that clients expect from us is to be fair honest and transparent to them. I have been a regular representative at all the prestigious forums at Aviva be it MDRT, COT or Blue Riband. But what is most satisfying is the fact that all my customers, look at me as the one point contact for all there service requirements.

I shall constantly strive to scale new heights in my association with Aviva."- Lavanya Subramanian

"I have been associated with Aviva since 2005. With my background as banker, I understand the importance of wealth creation. I have chosen this industry to give my customers an opportunity to secure and safeguard their investment for a better tomorrow. Till date I have been successful in guiding my erstwhile customers with their investments which fetches me repeated business from them and also references.

Started with my operations in Chennai, I have spread my wings to other cities and increasing my customer base. I have been successful all these years with Aviva and had represented in MDRT convention by qualifying for COT. Proud to be a Blue Riband Ambassador for 9 years.

Also one of the founder member of CEO council at Aviva and I cherish all my days with this association." - Bandi Sathya Sarathi Reddy

India’s population is amongst the youngest in the world and this puts forth a high growth potential for the life insurance business. As the industry evolves, understanding people’s needs and quality of service would be the key differentiators of success. As a Financial Planning Advisor with Aviva, you would be at a critical position to cater to the financial needs of the customers and provide them optimal solutions. Your work would entail meeting prospective customers, understanding their financial needs & insurance requirements and provide tailor made solutions basis the priorities defined by them. Aviva has a best in class product line catering to the financial needs of any customer, ranging from child solutions and retirement solutions to guaranteed investment plans. Your role as the face of Aviva would be to present these financial solutions to prospective customers, thus help them achieve their financial goals.