A 30 (Thirty) Day grace period is provided for premium payments, i.e. if you pay your premium within 30 days after the date the premium falls due, your Policy would be renewed without additional requirements or charges

However should you pay your premium after the 30 Day grace period, then, please do submit a Declaration of Health and Occupation (DHO).

If the premium is paid 90 days after the due date in addition to Declaration of Health and Occupation (DHO), late fees Rs300/= would also be charged / deducted.

The Original DHO form (hardcopy) properly completed, signed and witnessed along with the Premium Cheque (with or without late fees as applicable) must be sent to:

Your health & occupation meeting underwriting criteria, the Policy would be renewed and about a week later the Renewal Acknowledgement Letter, Final Receipt and Policy’s Unit Report (for Unit-Linked policies only) would be sent to you through courier

Kindly ensure that the DHO form is signed by you as per signature affixed by you on your Policy’s original Proposal Form.

Kindly note that we can only renew Policies where not more than 3 years annualized premiums are due.

If more than one year’s annualized premium is due then kindly complete and submit a Reinstatement Form (RF) (besides DHO and late fees).