FAQs – Airtel Life Insurance Cover Plan

1. What are the benefits of Airtel Life insurance recharge?

Airtel is offering complimentary Life Insurance benefit on 2 recharges:

1) Rs. 249 Recharge:

  • Validity 28 days
  • Complimentary Rs 4 Lacs term life insurance from HDFC Life
  • Unlimited National Calls i.e. Local, STD and Roaming Calls
  • 2GB data per day

1) Rs. 599 Recharge:

  • Validity 84 days
  • Complimentary Rs 4 Lacs term life insurance from Bharti AXA Life
  • Unlimited National Calls i.e. Local, STD and Roaming Calls
  • 2GB data per day

Note: Rs 599 Airtel Life Insurance Recharge is currently available only for the customers in Tamil Nadu and Chennai circle.

Once you recharge your number, you will receive the policy activation SMS. Life Insurance policy will be generated on the registered name of the customer. Subsequently, you can fill in your details on Airtel Thanks App or get them filled by any Airtel Retailer near you.

Important points:

  • Policy will be generated for the registered SIM card holder ONLY and the name cannot be changed
  • The customer needs to be between 18 to 54 years of age
  • No medical tests are required
  • No requirement of any paper work
  • Physical copy of the policy would be delivered to your home only if you update your address on Airtel Thanks app or get it updated by any Retailer near you

2. How can I activate & receive a copy of life insurance?

Its simple 2 step process to activate & receive a copy of the complimentary life insurance:

  • Step 1: Recharge with Airtel Life insurance Plan worth ₹249 or ₹599; Your policy will get automatically generated as per the below conditions:
    • Policy will be generated for the Registered SIM card holder ONLY and the name cannot be changed
    • The customer needs to be between 18 to 54 years of age
  • Step 2: Provide nominee details and Address on Airtel Thanks App or the visit the nearest Airtel retailer for physical copy of insurance

3. I have recharged with Rs. 249 / Rs. 599 but my policy is not activated yet? I want to know the status

Your complimentary life insurance policy will not be generated in the following cases:

  • Your age is not in the eligible bracket of 18 to 54 years
  • If the registered name in Airtel System has special characters. Policy would be generated only for registered SIM card holder, so we cannot generate a policy for you if the registered name is invalid.
  • Your Airtel Life Insurance plan (Rs 249 or 599 pack) and life insurance will only get activated post expiry of your current recharge.

4. Do I need to submit any proofs/ documents to get the complementary life insurance policy?

No documentation is required for generating your life insurance policy. As long as you fulfil the eligibility criteria your policy will get generated automatically.

Please note, the life insurance once active, only covers the registered SIM card holder.

5. Do I have to be of certain age to get the complimentary life insurance policy?

Life insurance cover can be claimed only if you are between 18 to 54 years of age.

6. Who is a “nominee”?

Nominee is a person who would get the insurance cover amount in case of insured person’s death. Your nominee can be Your Brother, Daughter, Father, Father-in-law, Grand Father, Grand Mother, Grand Son, Husband, Mother, Mother-in-law, Nephew, Niece, Sister, Son or Wife.

7. What happens if I don't fill the nominee details?

In case of insured person's death, claim will only be given to the nominee or legal heir of the person. For this you need to follow standard process laid out by insurance company. Hence, it is always advisable to fill in the nominee details at the time of registration itself. You can fill in these details on Airtel Thanks App or visit any Airtel retailer near you.

8. What happens if my nominee is less than 18 years of age?

Insurance claim cannot be given to nominee less than 18 years of age.

9. What if I want to assign nominee out of family relation?

Nominee can only be selected from your relations, like Your Brother, Daughter, Father, Father-in-law, Grand Father, Grand Mother, Grand Son, Husband, Mother, Mother-in-law, Nephew, Niece, Sister, Son or Wife.

10. Why do you need my address details? / How can I get the physical copy of my policy?

Address is required to courier the Policy documents to you. If you do not provide your address, the physical copy of the Policy will not be delivered although Physical copy of the insurance does not have any impact on the claim. You can fill in your address details on Airtel Thanks App or visit any Airtel retailer near you.

11. Can I fill my nominee / address details later?

Yes, nominee details / address can be updated even after pack activation. There are 2 ways to do this:

  1. You can visit the nearest Airtel Retailer or
  2. Update the details through Airtel Thanks App

12. How can I check my courier address?

You can check your courier address in Airtel Thanks App. You can also go to the nearest Airtel retailer to confirm the same.

13. How can I change my nominee details?

There are 2 ways to update nominee details:

  1. You can visit the nearest Airtel Retailer or
  2. Update the details through Airtel Thanks App

14: I am unable to find my policy details. How can I get it again?

Please visit Airtel Thanks App to get the policy details and download the copy of the insurance policy. Alternatively, you can contact your Life Insurance Partner

HDFC Life (for Rs. 249 recharge) – 1860 267 9999/ service@hdfclife.com

Bharti AXA (for Rs. 599 recharge) – 1800 102 4444/ service@bharti-axalife.com

For all reference purposes you can quote your phone number with partner insurance company

15: Is Airtel my insurance partner/agent?

No, Airtel is just the facilitator and is providing you complimentary life insurance on a Rs. 249 recharge through HDFC Life and on Rs. 599 recharge through Bharti AXA Life. This insurance policy is directly between you and the insurance partner. For any queries, you can directly reach out to your insurer on the following numbers –

HDFC Life (for Rs. 249 recharge) – 1860 267 9999/ service@hdfclife.com

Bharti AXA (for Rs. 599 recharge) – 1800 102 4444/ service@bharti-axalife.com

For all reference purposes you can quote your phone number with partner insurance company

16: My policy is not in the correct name. How can I change it?

The policy will only be generated on the name of the registered SIM-card holder as updated in our records. In case the name is different, you will have to take another SIM in your name to enjoy Life Insurance coverage.

17: I have recharged with Rs 249 / Rs 599 but I am not eligible for insurance. What should I do?

This insurance benefit is complimentary with Airtel recharge of Rs. 249 / Rs. 599. With this recharge you also enjoy unlimited calls and 2GB/day as per validity of your pack.  Since you are not eligible for the insurance policy, it cannot be generated for you.

18: Who is responsible for claim process?

The claims and all other queries regarding insurance would be handled by insurance partner HDFC Life or Bharti AXA Life. For any queries, you can directly reach out to your insurer on the following numbers –

HDFC Life (for Rs. 249 recharge) – 1860 267 9999/ service@hdfclife.com

Bharti AXA (for Rs. 599 recharge) – 1800 102 4444/ service@bharti-axalife.com

For all reference purposes you can quote your phone number with partner insurance company

Question: 19: How can I check my Policy Number?

You can check your Policy number on Airtel Thanks App or visit the nearest Airtel Retailer. You can directly reach out to your insurer on the following numbers –

HDFC Life (for Rs. 249 recharge) – 1860 267 9999/ service@hdfclife.com

Bharti AXA (for Rs. 599 recharge) – 1800 102 4444/ service@bharti-axalife.com

For all reference purposes you can quote your phone number with partner insurance company

20: What if my next recharge is of different pack value, will the insurance still be active?

No, Life Insurance Cover is applicable only on Rs. 249 & Rs. 599 Airtel recharge. If you recharge with any other pack, your insurance policy will lapse. You can restart you policy cover once you recharge with Rs 249 / Rs. 599 pack.

21: I have shared my address but have still not received the physical copy of my insurance. How can I get?

For any queries regarding the policy, you can directly reach out to your insurer :

HDFC Life (for Rs. 249 recharge) – 1860 267 9999/ service@hdfclife.com

Bharti AXA (for Rs. 599 recharge) – 1800 102 4444/ service@bharti-axalife.com

For all reference purposes you can quote your phone number with partner insurance company

22: After giving enrolment consent, within how many days will I receive the physical copy?

Absence of physical copy will not impact your claim process. For any queries regarding the policy, you can directly reach out to your insurer:

HDFC Life (for Rs. 249 recharge) – 1860 267 9999/ service@hdfclife.com

Bharti AXA (for Rs. 599 recharge) – 1800 102 4444/ service@bharti-axalife.com

For all reference purposes you can quote your phone number with partner insurance company

23: How can I track the courier of my insurance physical copy?

For any queries regarding the policy, you can directly reach out to your insurer:

HDFC Life (for Rs. 249 recharge) – 1860 267 9999/ service@hdfclife.com

Bharti AXA (for Rs. 599 recharge) – 1800 102 4444/ service@bharti-axalife.com

For all reference purposes you can quote your phone number with partner insurance company

24. What are the documents required to initiate a claim?

For any queries regarding the claim process, you can directly reach out to your insurer.

HDFC Life (for Rs. 249 recharge) – 1860 267 9999/ service@hdfclife.com

Bharti AXA (for Rs. 599 recharge) – 1800 102 4444/ service@bharti-axalife.com

For all reference purposes you can quote your phone number with partner insurance company

25. I have lost my Policy Document, what can I do?

Absence of physical copy of insurance will not impact your claim process. You can always download the insurance policy from Airtel Thanks App. For any queries regarding the policy document, you can directly reach out to your insurer.

HDFC Life (for Rs. 249 recharge) – 1860 267 9999/ service@hdfclife.com

Bharti AXA (for Rs. 599 recharge) – 1800 102 4444/ service@bharti-axalife.com

For all reference purposes you can quote your phone number with partner insurance company

26: Will I get a physical copy of insurance every month?

Physical copy of insurance will be delivered only once and is valid for full year as long as you continuously recharge with Airtel’s Rs. 249 or Rs. 599 pack. After 1 year, you will again get a new copy of the insurance.

27: I have not received Policy renewal SMS?

Please contact your insurance partner to know more about it.

HDFC Life (for Rs 249 recharge) – 1860 267 9999/ service@hdfclife.com

Bharti AXA (for Rs 599 recharge) – 1800 102 4444/ service@bharti-axalife.com

For all reference purposes you can quote your phone number with partner insurance company

28: My Policy activation date is incorrect?

Policy activation date will be the date on which your Airtel Rs. 249 or Rs. 599 pack benefits were activated.

29: Insurer has refused my claim?

For any queries regarding the policy, you can directly reach out to your insurer:

HDFC Life (for Rs 249 recharge) – 1860 267 9999/ service@hdfclife.com

Bharti AXA (for Rs 599 recharge) – 1800 102 4444/ service@bharti-axalife.com

For all reference purposes you can quote your phone number with partner insurance company

30: Who is responsible for my Insurance related questions/ doubts / claims and process?

For any queries regarding the policy, you can directly reach out to your insurer:

HDFC Life (for Rs 249 recharge) – 1860 267 9999/ service@hdfclife.com

Bharti AXA (for Rs 599 recharge) – 1800 102 4444/ service@bharti-axalife.com

For all reference purposes you can quote your phone number with partner insurance company

31: Can I take multiple policies with multiple recharges? I have multiple SIM cards registered on my name. Can I take insurance on all?

As per policy, life insurance partners will service your claims for 1 insurance policy only. Since, this is a complimentary policy, your claims would be limited to Rs.4 Lacs only.

32: What will happen if I recharge with Airtel Life Insurance Recharge (Rs 249/599 pack), while validity of my current recharge in still pending?

Your Airtel Life Insurance plan (Rs 249 / 599 pack) and life insurance will only get activated post expiry of your current recharge.

33: Is there any specific eligibility criteria to get the insurance policy?

In order to be eligible for the life insurance,

  • you need to be between 18 to 54 years of age
  • the SIM card/mobile number should be in your name as per our records

34: I want to cancel my Policy and want a refund?

Your policy is valid only till the pack validity of Rs. 249/Rs. 599. Since it is a complimentary benefit given along with 249/599 recharge, it is not possible to provide any refund for the Life Insurance policy.

35: What are the benefits of Rs. 599 Airtel Insurance Recharge? How is it different from Rs. 249 recharge?

Rs. 599 plan offers you a long validity of 84 day over the 28 days Rs249 pack. It also helps you save on Rs 148 as it would cost you Rs. 747 if you recharge with Rs. 249 for a 3 month period.

Pack details below

Rs249 = Unlimited Calling + 2GB data /day + 100 daily SMS + Rs. 4 Lacs Life Insurance; Validity 28 days

Rs599 = Unlimited Calling + 2GB data /day + 100 daily SMS + Rs. 4 Lacs Life Insurance; Validity 84 days

36: What happens to validity of my policy if I recharge with Rs. 599 while Rs. 249 pack is still active or vice-versa?

Your new pack will start only when your current pack expires.

37: Do I need to enter address /nominee details again for Rs. 599/Rs. 249 pack if I have already availed the cover once?

No, you are not required to enter Nominee & Address details again if the next recharge is done within 3 months. 

38: Will I receive a new hardcopy of policy if I do Rs. 599 recharge after my Rs. 249 recharge validity is over?

Yes, you will receive a new hardcopy of policy in case your partners are different for Rs. 599 and Rs. 249 recharges. You need to update your address on Airtel Thanks app or get it updated by any Retailer near you after you recharge for the first time, to receive the physical policy document.

39: I had last recharged with Rs. 249/Rs. 599 plan 8 months ago? Now If I recharge again with Rs. 249/Rs. 599, do I have to enter my address/nominee details again?

Yes, you are required to re-enter details if lapse date (end date of last Airtel Life Insurance recharge) is more than 3 months.

40: Will I get insurance cover under two policies if I do a Rs. 599 recharge while my current insurance recharge validity is still not over?

You cannot be enrolled in multiple policies at the same time. If you do a second recharge it will get activated only after your current life insurance recharge validity is over.

41: Will my Policy number change in case I do a Rs. 599 recharge after doing a Rs. 249 recharge? Where can I see my new policy number?

If you do a second recharge it will get activated only after your previous life insurance recharge validity is over. Your policy number changes with every recharge but for all reference purposes you can quote your mobile number with the partner insurance company.

You can also view/manage your policy anytime on Airtel Thanks App or at the nearest Airtel retail outlet. You will get a link via SMS to view your policy after every recharge.

In case you have any other doubts you can directly reach out to your insurer on the following numbers–

HDFC Life (for Rs. 249 recharge) – 1860 267 9999/ service@hdfclife.com

Bharti AXA (for Rs. 599 recharge) – 1800 102 4444/ service@bharti-axalife.com

42: Why is Rs 599 Airtel Life Insurance Plan not available for my number?

Rs 599 Airtel Life Insurance Plan is only available to the customers in Tamil Nadu and Chennai circle. We will soon be rolling out this recharge for customers from other circles as well.