Aviva Life Insurance

Aviva Life Insurance is a joint venture between Dabur Invest Corp and Aviva Group, making it one of India’s leading private life insurers. The company offers a wide range of plans covering protection, savings, retirement, and investment needs to help individuals and families secure their financial future. With its strong presence and customer-focused approach, Aviva provides reliable and flexible life insurance solutions that adapt to different life goals. Whether you want to protect your loved ones or build long-term wealth, Aviva Life Insurance supports your journey with confidence.

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What Are The Types of Life Insurance Plans Offered By Aviva Life Insurance?

The various life insurance policy in multiple segments offered by Aviva Life Insurance are as follows:

Term Insurance Plans
Savings Plans
ULIP Plans
Retirement Plans
Child Plans

Aviva Term Insurance Plans

Term Plan	Entry Age	Maturity Age	Sum Assured
Aviva Signature 3D Term Plan	18 to 65 years	99 years	Rs. 5 Lakhs to No Limit
Aviva Protection Plus Plan	20 to 65 years	80 years	Rs. 20 Lakhs to No Limit
Aviva Jana Suraksha Plan	18 to 45 years	55 years	Rs. 25 Thousand to No Limit
Aviva Saral Jeevan Bima Plan	18 to 65 years	70 years	Rs. 5 Lakhs to Rs. 25 Lakhs

Aviva Savings Plans

Term Plan	Entry Age	Maturity Age	Sum Assured
Aviva Signature Guaranteed Income Plan	8 to 60 years	60 years	—
Aviva Nivesh Bima Plan	13 to 60 years	55 years	Max Death SA: Rs. 11 Crores Max Maturity SA: Rs. 24.4 Crores
Aviva New Wealth Builder Plan	6 to 60 years	80 years	Max Death SA: Rs. 11 Crores Max Maturity SA: Rs. 22.4 Crores
Aviva New Family Income Builder Plan	6 to 50 years	62 years	Rs. 24 Crores (maximum annual premium of Rs. 1 Crore X 24)
POS Aviva Dhan Suraksha Plan	18 to 50 years	61 years	Rs. 1.45 Lakhs to Rs. 9.93 Lakhs

Aviva ULIP Plans

Term Plan	Entry Age	Maturity Age	Sum Assured
Aviva Affluence Plan	2 to 50 years	70 years	Max: 10 times the Annualized Premium
Aviva Signature Investment Plan	91 days to 60 years	80 years	Single Premium : 10 times, 5 times or 1.25 times (chosen at inception) of Single premium Regular Premium : 7 times or 10 times of Annualized premium
Aviva Signature Investment - Limited Pay Plan	91 days to 70 days	90 years	Max: 7 or 10 of the Annualized premium
Aviva i-Growth Plan	18 to 50 years	60 years	Rs. 4.8 Lakhs to Rs. 50 Lakhs
Aviva Fortune Plus Plan	2 to 60 years	75 years	Top-up Sum Assured: 1.25 x Top-up Premium Minimum Top-up Sum Assured: Rs. 12,500 Maximum Top-up Sum Assured: No Limit

Aviva Retirement Plans

Term Plan	Entry Age	Maturity Age	Sum Assured
Aviva New Innings Pension Plan	42 to 60 years	78 years	—
Aviva AnnuityPlus Plan	18 to 80 years	—	—
Aviva Saral Pension Plan	40 to 55 years	80 years	Rs. 1 Thousand to No Limit

Aviva Child Plans

Term Plan	Entry Age	Maturity Age	Sum Assured
Aviva Young Scholar Secure Plan	42 to 60 years	78 years	—

Benefits of Aviva Life Insurance Policy

Financial Protection for Your Family
Aviva Life Insurance ensures your loved ones remain financially secure in your absence. The payout can help them manage daily expenses, repay loans, and meet future goals like higher education or marriage.
Wide Range of Plans
Aviva offers an extensive selection of insurance plans, including term, savings, investment-linked, and retirement options. This flexibility allows you to choose a plan that fits your lifestyle, income, and long-term financial objectives.
Guaranteed Returns on Savings Plans
Many Aviva savings and retirement policies offer guaranteed returns on maturity. You can receive the maturity benefit as a lump sum or as regular income, helping you plan for milestones or post-retirement needs.
Affordable Premiums
Aviva’s plans are designed to provide high coverage at pocket-friendly premiums, making it easy to protect your family’s future without straining your budget.
Tax Advantages
Premiums paid and benefits received under Aviva Life Insurance plans qualify for tax deductions under Section 80C and exemptions under Section 10(10D) of the Income Tax Act, 1961.

6.4-Hour Express Claim Settlement: With 'Express Claims', Aviva provides claim settlement to the nominees of the deceased policyholders within 4 hours of claim intimation.

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

What is the Claim Settlement Process of Aviva Life Insurance Company?

Aviva Life Insurance's claim settlement process is simple, transparent, and customer-friendly. It involves four main steps: Claim Intimation, Document Submission, Claim Processing/Verification, and Claim Settlement/Payout.

Step 1: Claim Intimation
The claimant or nominee must inform Aviva Life Insurance about the claim immediately after the event, such as death, maturity, or a covered illness. Claims can be intimated through multiple channels:

Online: Submit the claim form on the official Aviva website.
Email: Send details to claims@avivaindia.com or customerservices@avivaindia.com.
Phone: Call the toll-free helpline at 1800-103-7766.
Branch Visit: Visit the nearest Aviva branch for assistance.

The intimation should include the policy number, insured's name, date and cause of the event, and claimant's contact details.

Step 2: Document Submission
After the claim is intimated, the claimant must complete the relevant claim form and submit the required documents. The Claim Personal Manager will guide the claimant on the specific documents based on the claim type.

Common documents for death claims include:

Original policy document(s)
Duly filled and signed the death claim form
Original or attested copy of the death certificate
Claimant’s photo ID and address proof
Bank details (cancelled cheque, bank statement, or passbook copy)
Medical records in case of death due to illness
Police reports (FIR, post-mortem report, investigation report) in case of accidental or unnatural death

Documents can be submitted via email as scanned or hard copies at any Aviva branch or head office.

Step 3: Claim Processing and Verification
Once Aviva receives all documents, the claim assessors verify the details. If necessary, additional documents or investigations may be requested. The claimant is regularly updated about the claim status through calls, SMS, or letters.

Step 4: Claim Settlement/Payout
After verification and approval, the claim amount is transferred directly to the nominee's or claimant's bank account via NEFT. For non-investigative claims with complete documentation, Aviva aims to settle the claim within 15 days from the date of intimation. If an investigation is required, the process may take up to 45 days, and for complex cases, up to 120 days as per IRDAI guidelines.

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How To Buy Aviva Life Insurance From Policybazaar?

Here are the steps to buy Aviva Life Insurance from Policybazaar:

Step 1: Visit the official Policybazaar website and go to the Term Insurance section.

Step 2: Provide your name, contact details, gender, and date of birth.

Step 3: Enter your job type, yearly income, educational qualifications, and smoking/tobacco consumption habits.

Step 4: Choose the Aviva term plan from the existing term insurance plan list.

Step 5: Pay using your preferred mode to complete the process.

What Are The Exclusions In Aviva Life Insurance?

Here are the exclusions in the Aviva Life Insurance:

Suicide: If the policyholder commits suicide within 12 months of buying the policy, his/her nominees will not be able to claim the death benefit.

Note: Check all the best term insurance plan in India.

Note: You should also check the benefits of term life insurance if you are planning to purchase the term insurance plan.

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