PLI Claim Process: How to Claim Postal Life Insurance Benefits?

If you want to claim the benefits through Postal Life Insurance, you need to fill out the claim form properly, provide the required policy details, bank information and other documents. You must always keep premium receipt proofs and also have the bank details on hand to make the process as simple and smooth as possible.

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What is the PLI Claim Process?

The PLI claim process refers to the procedure to be followed to receive the maturity or survival benefit due from a

So, India Post has developed a specific Claim Form for Maturity/Survival Benefit of PLI or Rural Postal Life Insurance Policy. The insured person can present the claim form duly filled together with the documents as per the regulations either on the date of the policy maturity or on the maturity date of a scheduled benefit. The post office will do the required checks on the information provided before disbursing the funds.

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Steps to Claim PLI Maturity or Survival Benefit

Maturity or Survival Benefit Claim

Follow the steps below to claim the amount after the policy has matured or the survival benefit is due.

Step 1: Download the 'Maturity/Survival Benefit Claim Form' on the India Post PLI portal. You can also collect it from your nearest post office.

Step 2: Enter the policy number, sum assured, maturity/benefit date and bank account details.

Step 3: The original policy bond or the letter of indemnity, proof of ID and address, and payment documents should be submitted.

Step 4: The form and documents must be deposited at the relevant post office / CPC, and collect your acknowledgement.

Death Claim

After the death of the policyholder, the nominated person or any other claimant may start the procedure of filing the death claim as per the steps below:

Step 1: You can get the form 'PLI/RPLI Death Claim Application Form' either through the India Post PLI website or at your local post office.

Step 2: The name and contact details of the policyholder, policy number, death date, and the claimant/nominee information have to be completed.

Step 3: Submit the death certificate, original policy bond/Letter of Indemnity, claimant's ID proof and address proof, and bank account information, legal heir documents or FIR and post-mortem reports, if required.

Step 4: Hand over the duly filled claim form and associated documents for scrutiny by the competent post office, and collect the slip.

Also read: How to Check Postal Life Insurance Policy Status?

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What are the Documents Required for PLI Claim?

Keeping the necessary documents ready can help avoid repeated visits to the post office and easily receive the promised Postal Life Insurance benefits. The documents generally required include:

Original policy bond or Letter of Indemnity
A self-attested copy of Identity proof of the insured
A self-attested copy of address proof of the insured
Premium Receipt Book/D.O.C.
Loan Receipt Book
Cancelled cheque
POSB passbook

What to Check Before Submitting a PLI Claim?

Prior to filing a life insurance claim, there are a few things to consider so one can prevent delays or unnecessary trips to the postal department. Verify that you have:

Policy details: Confirm the policy number, date of maturity or the survival benefit date and the information about yourself.
Required documentation: Keep the policy bonds, proof of identification and residency, and other documents handy if required.
The bank information: Confirm bank account or POSB account details before you leave for filing the claim.
Loan documents: Keep your loan papers if your loan has been taken against the policy.
Claim form: Review the claim form properly and ensure that the information is filled in properly and signed before mailing the form.
Proof of claim: Keep the claim proof with yourself to track your claim process.

Summing Up

The PLI claim process generally involves confirmation of the benefit due date, filling out the prescribed claim form, submission of required documents and allowing the post office to verify the claim. Maintenance of records of the life insurance policy and premium payments by the insured or the beneficiary would make this process smoother. Post verification, the maturity or the survival benefit to which a person is entitled can be paid into the bank a/c as per the instructions filled up in the claim form.

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FAQs

Can I withdraw from the PLI after 3 years?

Ans: After three years, generally one can surrender an eligible PLI policy, of course, subject to policy document provisions, terms and premiums paid.
How can I check my PLI amount?

Ans: To check your PLI amount, log in to the India Post PLI customer portal with your registered credentials to view all the policy and premium details, including PLI balances.
How to withdraw money from PLI?

Ans: If you want to get the money out before your policy matures, then you should surrender the policy. Complete and fill in the required details of the surrender application form which is generally one-sided only, and submit the documents plus it at your post office for processing.
How to claim PLI after maturity?

Ans: After maturity, submit the prescribed PLI maturity claim form along with the original policy bond and required documents at the concerned post office to receive the benefit.
How much money will I get if I surrender my PLI policy?

Ans: The surrender value is usually a lesser amount than the total premiums paid, which you can get if you decide to put an end to your policy by way of surrendering it.
How to calculate PLI maturity amount?

Ans: The PLI maturity amount generally includes the policy's sum assured and applicable accumulated bonuses. The exact amount depends on the plan, term and bonus rates declared.
How do I check my PLI status?

Ans: To find out how your PLI policy is going through the customer portal, go to the India Post Customer Portal website. You will get the policy details, the amount paid (premium), and other updates once you log in.

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We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

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