Certificate of Insurance

Congratulations!! You are now insured as a member under the IndiaFirst Group Term Plan (UIN: 143N006V05) issued to ANI
Technologies Pvt Limited

Master Policy Holder ANI Technologies Pvt Ltd

Master Policy No G0001370

Member Name BHANU PRATAP SINGH

-
Member Address

Insured Person’s Details

COI number OLA001783341 Member number -
Date of Birth - Member Age -
Gender - Mobile Number -
Base Sum Insured 50000 Base Premium Paid * 5
Risk commencement Premium paying
2023-07-01 Monthly
Date Frequency

Nominee Name Percentage Share Age of Nominee Relationship of Appointee Name (if
Nominee applicable)

Legal heir 100% - -

Notes:
1. Amount paid is inclusive of the applicable taxes
2. Premiums paid will be eligible for tax benefits under section 80C of Income Tax act, 1961; subject to provisions therein
3. Please note that premiums for succeeding years will vary according to new attained age, experience of the company and changes in taxes.
The premium rates currently applicable are as per different age bands. Please note that these rates are valid for current one year only and
may change next year. Request you to please check with the Master policyholder for the rates applicable as per your age at the time of
renewal.

Insured Event
Risk Cessation Age
Period of Cover
The Insurance cover
under this policy will cease
immediately on the
happening of any of the
following
Exclusions
Insurance Details
The policy covers the member's death or any other event mentioned in the master
policy document as long as you are covered under the master policy and the policy is
in force (For ages between 18-45 Years)
-
01 Jul 2023 to 31 Jul 2023
● Member attaining risk cessation age or on death whichever is earlier ,
● Termination of contract with the Master Policyholder.
● Non - payment of premium during the grace period of 30 days for other than
annual premium payment mode(15 days for monthly mode) .
● Membership ceases due to any reasons
In case of a claim where a new member has committed suicide within 12 months from
the date of inception of the membership, whether sane or insane at that time, the
company will pay 80% of the premium of the deceased member to their nominee but
for other members this will not be applicable.

IndiaFirst Life Insurance Company Ltd

12th & 13th floor, North [C] Wing, Tower 4, Nesco IT Park, Nesco Center, Western
Express Highway, Goregaon (East), Mumbai – 400 063 T- 1800-209-8700
www.indiafirstlife.com IRDAI Regn No:143 CIN: U66010MH2008PLC183679
 IMPORTANT TERMS & CONDITIONS

Free Look Period

You will have the right to return the COI to us stating reasons thereof, within the first 15 days except Distance Marketing or
electronic mode, if applicable, where it is 30 days from the date of receipt of the COI. Once we receive your written notice of
cancellation together with the original COI, we will refund the premium paid after deducting expenses incurred by us on pro
rata risk premium for the period on cover, medical examination, if any and stamp duty charges.
Distance Marketing includes every activity of solicitation (including lead generation) and sale of insurance products through
the following modes: (i) Voice mode, which includes telephone calling; (ii) Short Messaging service (SMS); (iii) Electronic
mode which includes e-mail, internet and interactive television (DTH); (iv) Physical mode which includes direct postal mail and
newspaper & magazine inserts; and, (v) Solicitation through any means of communication other than in person.

Features of the IndiaFirst Group Term Plan

1. Benefits under this plan 8. Loan benefits under the plan
Death benefit No loans are available under this plan from us.
We will pay the death benefit to the
nominee/appointee/legal heir in the unfortunate event of 9. Making a death claim
the members demise during the cover term. Steps involved in making a death claim
The master policyholder, the nominee or legal heir, as the
2. Maturity benefit case may be, will give us a written notice of the death
There is no maturity benefit payable to any member claim on the member's demise and can send us the
under this plan. documents at our registered address as mentioned below
in this COI. The nominee or legal heir can also email the
3. Rider benefits claim documents to claims.support@indiafirstlife.com.
NA
Documents required at the time of making a claim
4. Payment of benefits
The death benefit will be paid to the Natural Death
nominee/appointee/legal heir, which shall hold the same
for your benefit. ● Completely filled & signed Claim Intimation form
(available on our website)
5. Nomination ● Copy of Death Certificate
Allowed as per the provisions of Section 39 of the ● Certificate of Insurance (Inforced, issued at the
Insurance Act, 1938 as amended from time to time. For inception / renewal whichever is applicable).
more details on the nomination, please refer to our ● ID proof and address proof of Nominee
● Copy of Bank Passbook or canceled cheque of
website www.indiafirstlife.com
nominee / claimant
● Hospitalization documents (discharge summary,
6. Premiums
all investigation reports) in case the Member
Missing your premiums
was treated for any illness related to the cause
You/ Master Policyholder have a grace period of 30 days
of death
for payment of premiums due other than annual premium
payment mode (15 days for monthly mode).
Unnatural Death – Following additional documents
In the unfortunate event of the member's demise during are required apart from the documents listed above
the grace period, the nominee/appointee/legal heir will ● Copies of Medico Legal Certificate, First
receive the death benefit after deducting the premium Information Report, Panchnama, Inquest report
due for the period that the member was covered. and post mortem report, duly attested by the
In case premiums remain unpaid by the end of the grace police (only in case of Accident leading to
period, the cover will lapse. unnatural death or Permanent Disability of the
Life Assured)
If the master policyholder does not renew the plan on any
Annual Renewal Date by paying the premiums then
Any other document or information that we may need for
falling due then it shall be deemed that the master
policyholder has discontinued and the plan will be validating and processing the claim. All copies to be
cancelled. We will inform you of such discontinuance. self-attested by the Master Policy Holder

7. Payment of Premium: For rider claims documents please refer to the

In case, the Master Policyholder(MPH) has collected the respective annexures.
premium from the member before the completion of grace
period and has not remitted the same to us (due to any
reason), we will continue to provide coverage to that 10. Fraud and Misstatement
member if the member can prove that he/she had paid Fraud and Misstatement shall be dealt as per the
the premium and secured a proper receipt leading the provisions of Section 45 of the Insurance Act, 1938 as
member to believe that he/she was duly insured.

IndiaFirst Life Insurance Company Ltd

12th & 13th floor, North [C] Wing, Tower 4, Nesco IT Park, Nesco Center, Western
Express Highway, Goregaon (East), Mumbai – 400 063 T- 1800-209-8700
www.indiafirstlife.com IRDAI Regn No:143 CIN: U66010MH2008PLC183679
amended from time to time. For more details on Section
45 please refer to our website www.indiafirstife.com
11. Grievance Redressal
Any grievance/complaint pertaining to this Plan should be
addressed to Us directly or may be addressed to the
Master Policyholder who shall in turn write to Us.
a. A written communication giving reasons of either
redressing or rejecting the grievance/ complaint will be
sent to you within 14 (Fourteen) days from the date of
receipt of the grievance/ complaint. In case We don’t
receive a revert from You within 8 weeks from the date of
Your receipt of Our response, We will treat the complaint
as closed.
b. However, if You are not satisfied with our
resolution provided or have not received any response
within 14 (Fourteen) days, then You may email Us at
grievance.redressal@indiafirstlife.com or write to Our
‘Grievance Officer’ at the above mentioned address.
c. An acknowledgment to all grievances/
complaints received will be sent within 3 (Three) working
days of receipt of the complaint/grievance.
If You are not satisfied with the response or do not
receive a response from us within 15 days, you may
approach the Grievance Cell of the Insurance Regulatory
and Development Authority of India (IRDAI) on the
following contact details:
IRDAI Grievance Call Centre (IGCC) TOLL FREE NO:
155255; Email ID: complaints@irda.gov.in
You can also register your complaint online
http://www.igms.irda.gov.in/
This is a computer generated certificate and does not require any signature.
IndiaFirst Life Insurance Company Ltd
12th & 13th floor, North [C] Wing, Tower 4, Nesco IT Park, Nesco Center, Western
Express Highway, Goregaon (East), Mumbai – 400 063 T- 1800-209-8700
www.indiafirstlife.com IRDAI Regn No:143 CIN: U66010MH2008PLC183679
Address for communication for complaints by fax/paper:
Consumer Affairs Department,
Insurance Regulatory and Development Authority of
India, Sy. No. 115/1, Financial District, Nanakramguda,
Gachibowli
Hyderabad, Telangana – 500032. IRDAI TOLL FREE NO:
18004254732, Fax No: 91- 40 – 6678 9768
12, Insurance Ombudsman
In case you are dissatisfied with the decision/resolution of
the company, you may approach the Insurance
Ombudsman located nearest to you in case your
complaint falls within the scope of Insurance Ombudsman
Rules, 2017. (Please refer to our website
www.indiafirstlife.com for complete details of Insurance
Ombudsman Rules, 2017 and list of Ombudsmen offices
across India)
13. Governing Law and Jurisdiction
All claims, disputes or differences under this Policy will be
governed by Indian laws and shall be subject to the
jurisdiction of Indian Courts.
Please note that this certificate is issued for the
purpose of information only and is merely a summary
of the major features of the scheme. The benefits
payable by IndiaFirst Life will be based on the terms
and conditions stated in the Master Policy. You can
get in touch with the Master Policyholder or visit our
website www.indiafirstlife.com for the terms and
at conditions of this plan.