Airtel terms and conditions for
complementary life insurance cover

airtel logo

  1. About the Offer

Bharti Airtel Limited (‘Airtel’) is facilitating the offer to its’ Eligible Subscribers wherein the pre-paid subscribers of Airtel mobile services subscribing to a specified monthly STV will be provided a complementary monthly life insurance cover of INR 4,00,000/- only, subject to adherence to the terms and conditions specified hereinafter.

  1. Definitions:

All capitalized terms used in this Customer T&Cs have the meaning ascribed to them as hereunder.

  • Insurer’ means HDFC Life Insurance Company Limited or Bharti Axa Life Insurance Company Limited, as the case may be.
  • Insurance’ means complementary life insurance cover of INR 4,00,000/- provided to a Scheme Member subject to the terms and conditions detailed in the Insurance Policy.
  • Insurance Policy’ means the terms and conditions and processes specified by the Insurer for availing the Insurance.
  • Customer T&Cs’ means this document agreed between Airtel and You, as amended from time to time and the terms and conditions mentioned herein for You availing the Offer.
  • Device(s)’ means mobile handsets specified by Airtel from time to time.
  • Subscriber’ means Airtel’s pre-paid mobile subscriber in whose name the Airtel SIM is registered and subscribes to the STV.
  • ‘Scheme Member’ / ‘You’ / ‘Your’ means a Subscriber who meets Eligibility Criteria for issuance of Insurance Policy and is issued a COI.
  • ‘COI’ means Certificate of Insurance issued by the Insurer to the Scheme Member.
  • STV’ means special pre-paid Airtel mobile telecommunications tariff voucher specified by Airtel as stated in Annexure – I or as specified from time to time, at its sole discretion.
  • Offer’ means complementary Insurance for Subscriber(s).
  • Eligibility Criteria’ means the Subscriber who falls within the prescribed age limit of 18 years to 54 years and such other criteria as may be specified by the Insurer from time to time, at its sole discretion.
  1. The Offer shall be valid only in India or in the geographies within India, specified by Airtel from time to time.
  2. You shall be able to avail the Offer only till the time ‘You’ continue to be an Airtel Subscriber subscribing to the specified STV and recharging it every month on or before the expiry of the validity period. The insurance shall be co-terminus with the validity of each recharge period.
  3. You acknowledge and agree that any claim pertaining to the Insurance shall lie with Insurer and Airtel shall have no liability towards Insurance and / or its’ claim including but not limited to its approval or rejection or any dispute or difference arising therefrom.
  4. You categorically absolve Airtel of any liability towards the same and agree to indemnify and hold Airtel and its directors, officers, employees, agents and consultants against any damage, claim, cost, loss, compensation, action, liability, legal proceedings (including reasonable Attorney fees), orders, directions etc. (collectively, ‘Claims’) suffered or incurred by Airtel with respect to the Offer.
  5. You acknowledge that the link of the Airtel's Customer T&Cs applicable to this Offer and Insurer's Insurance Policy applicable for availing the Insurance have been made available to You by way of an SMS link. The same are also hosted on www.airtel.in/tnc or on Airtel Thanks App as updated by Airtel or Insurer from time to time. You understand, acknowledge and agree that Insurance Policy is a contract between You and the Insurer and You shall be bound by the terms and conditions of the Insurance policy specified by the Insurer from time to time. You further acknowledge and agree that Airtel does not have any control in respect of the terms and conditions specified by Insurer in respect of the Insurance. Airtel shall not be responsible for any non-performance or breach of any contract entered between You and the Insurer and shall not and is not required to mediate or resolve any dispute or disagreement between You and the Insurer. You acknowledge and agree that Airtel is a mere facilitator in this Offer and it does not hold any right, title or interest, nor has any obligations or liabilities in respect of the Insurance issued to you by the Insurer.
 
  1. Registration process

In order to avail the Offer and benefits thereunder, You must recharge and maintain the select STV. Subject to You fulfilling the Eligibility Criteria, the Insurer shall activate the Insurance.

By opting to this STV, You authorize Airtel to share such details / information about You (basis the information filled by You in Customer Acquisition Form (CAF) and documents such as your age, Proof of Identity, Proof of Address etc. (‘Documentation’)) as may be required by the Insurer for purposes of activation, reactivation and / or renewal of the Insurance. You also authorize Airtel to store your nominee details provided for Insurance purposes and address given by you for purposes of delivery of Certificate of Insurance and share the same with the Insurer for purposes of activation, reactivation and renewal of the Insurance. You confirm the correctness and authenticity of the information and documents provided by You to Airtel.

You may manage nominee, address and other details either directly through Your Airtel Thanks App or through any authorized Airtel Retailer.

 
  1. Inaccurate information shared by way of CAF, Documentation, claim form as against the information gathered during the investigation in relation to the Scheme Member shall lead to repudiation of Insurance claim(s).
  2. Your Insurance shall expire the day You turn 55 years of age.
  3. If You are a Subscriber of two (2) or more Airtel pre-paid connections, Your maximum Insurance cover will be INR 4,00,000/- and You shall not be eligible to make Insurance claims over and above INR 4,00,000/-.
  4. You are advised to keep the nominee details updated at all times in the form and manner required.
  5. Claims arising out of incorrect data regardless of intentional or unintentional errors committed by the Scheme Members, will not be payable by the Insurer. The Insurer shall have the right to investigate claims and also check for accuracy and authenticity of the information provided at the time of submitting the claim.
  6. Scheme Member may approach to any nearby HDFC Life branch or as per the modes described in Insurance Policy for policy servicing requests like change in address, contact details & nominee and for submitting the cancelation requests.
  7. This Offer is available to Airtel subscribers only and cannot be used along with services provided by any other telecommunications service provider in India.
  8. This Offer cannot be combined with any other offer provided by Airtel.
  9. All applicable taxes on STV shall be borne and payable by You.
  10. These Customer T&Cs shall constitute an agreement between Airtel and You and by opting to the Offer, You accept the same as binding upon You.
  11. The terms and conditions of usage of telecommunication services of Airtel, shall continue to be applicable upon You as a user of Airtel pre-paid mobile services.
  12. Airtel shall be entitled to postpone, suspend, modify or cancel the Offer or any aspect thereof, across the entire territories of service or any part thereof, at any time with or without notice, for any reason, including, but not limited to, acts of God, force majeure, technical difficulties, or any other reasons beyond Airtel’s reasonable control. If Airtel suspends or cancels the Offer, all aspects of the Offer shall be null and void. Airtel will not be liable to compensate You for any postponement or cancellation or for any reason directly or indirectly arising out of this Offer.
  13. AIRTEL HAS NO LIABILITY WHATSOEVER IN RESPECT OF ANY CLAIMS OR DISPUTES AND ANY RESULTING DAMAGES OR LOSSES, WHETHER DIRECT OR INDIRECT, RELATING TO YOU AVAILING, NOT RECEIVING OR YOUR USE OF THE OFFER.
  14. AIRTEL MAKES NO WARRANTIES OR REPRESENTATIONS WHATSOEVER IN RESPECT OF THE OFFER AND THE MOBILE SERVICES INCLUDING AS TO ITS FITNESS FOR ANY PARTICULAR PURPOSE, MERCHANTABILITY, QUALITY, AVAILABILITY, DISRUPTION OR ERROR FREE OPERATION.
  15. The Customer T&Cs do not constitute any general representation from Airtel regarding Airtel’s mobile services or its availability. Airtel’s network and the provision of the Offer is available on an ‘as is where is available’ basis and Airtel makes no representation, guarantee or warranty regarding the availability, fitness for any specified purpose or error free operation of the network. Network availability may be affected due to various reasons including force majeure, acts of god, inclement weather, topographical/ geographic/ demographic factors, maintenance work, availability of interconnection with other networks, etc.
  16. Any dispute or claim (contractual or non-contractual) arising out of or in relation to this Customer T&Cs, will be governed by and construed in accordance with Indian laws. Airtel and the Scheme Member submit to the exclusive jurisdiction of Courts at New Delhi alone.
  17. You agree that these Customer T&Cs will be valid for the entire duration of the validity of the STV and Your Insurance policy or policies, as the case may be, issued to You under the Offer.

Annexure 1:

Special Tariff Voucher for Rs 249 enables:

Unlimited Calling + 2GB data per day + 100 SMS / day + complimentary term life insurance; validity 28 days


Special Tariff Voucher for Rs 599 enables:

Unlimited Calling + 2GB data per day + 100 SMS / day + complimentary term life insurance; validity 84 days

HDFC LIFE terms & conditions

hdfc life

  • Policy is valid for Indian citizens who have done an Airtel Recharge with complementary Insurance and aged between 18-54 yrs at the time of Insurance activation. Policy will be issued in the name of the individual as registered with Airtel. The insurance benefit shall not be applicable for connections in the name of non-individual entities.
  • This policy is offered by HDFC Life Insurance Co. Ltd. and covers benefit of INR 4 lakhs for death (except suicide) for a period of 1 year if continuously recharged with the same Airtel Recharge with complementary Insurance. In case of successful claim, the payout would be made to the Nominee / Legal heir.

a) HDFC Life reserves the right to repudiate/restrict the claim if:

  • Policy terms and condition are not met

b) Claims shall be settled only after obtaining the all required claim documents raised by insurer.

  • Customer shall receive the policy certificate directly on his/her mobile no. registered with Airtel on which the Airtel recharge with complementary Insurance has been activated.
  • Sum assured per SIM would be restricted to INR 4,00,000/- (Indian Rupees Four Lakhs only).
  • In case the member is holding multiple sim cards and insurance is activated on all such cards, maximum Sum Assured payable at the time of death claim will not exceed INR 4,00,000/- (Indian Rupees Four Lakhs only) in any case
  • The Insurance policy is a contract between HDFC Life Insurance Co. Ltd. and the customer. The customer should reach out to HDFC Life Insurance Co. Ltd. for any issues and claims
  • Claim Intimation from the Nominee must reach within thirty (30) days from the date of demise of the Scheme Member in the format prescribed below should reach Insurer HO/Branch.

Claims

Basic Documentation for death claims:

1. Death certificate issued by the Government / Municipal authority under section 12/17 of the Registration of Birth and Death Act 1969.

2. Claim form signed by nominee with NEFT details (personalized cancelled cheque)

3. Identity and Residence proof of the nominee (with relationship)

4  KYC of nominee (Photo ID e.g. PAN, Aadhar Card and address proof e.g. Aadhar Card/Valid Passport)

 

Additional Documentation for :

1.Cause of death certificate issued by the doctor / hospital

2. A copy of medical records for past illnesses / ailments / diseases and for treatments taken at the time of death.

3. Additional requirements may be raised on case to case basis.

 

Additional Documentation for Unnatural Causes:

1. Copy of Police records (viz. Panchnama, FIR, Inquest report, Final Investigation report) attested by the Police authorities

2. Copy of Post Mortem report and viscera / chemical analysis report attested by the hospital authorities

 

Note:

1. HDFC Life can request for further documentation / clarification, if required

2. In case of death of the nominee, a succession certificate would be required. In case the successor is a minor, and then Guardianship Certificate would be required.

Legal Heir Documents for change in Nominee

Legal heir Certificate in case of death.

Court order in case of divorce, marriage registration certificate in case of re-marriage.

  • HO Insurer checks the required documents submitted by the nominee/legal heir as per the check list of insurance company and proceeds for claims settlement.
  • Claim Amount is settled in favour of nominee/legal heir. The Claim amount is transferred via fund transfer/NEFT to the bank account.
  • Claims arising out of incorrect data regardless of intentional or unintentional errors committed by the Scheme Members, will not be payable by the Insurer. Moreover, the Insurer will have the right to investigate claims and also check for accuracy of the information provided at the time of claims. The rights available to the Insurer under this clause will be subject to regulations/ guidelines issued by IRDAI from time to time.
  • Inaccurate information detected in the claim form against the information as gathered during the investigation in relation to a Scheme Member will lead to repudiation of claims.
  • Payment of Death Benefit: Entire payout will be processed only in favour of nominee/legal heirs through NEFT only.
  • Except for COI issuance, please note that all requests received post 3pm, the date of receipt shall be considered to be the next working day.
  • As per the IRDAI (Protection of Policyholders' Interests) Regulations, claims are to be paid or be rejected or repudiated giving all the relevant reasons within 30 days from the date of receipt of all relevant papers and clarifications. In the event the claim requires further investigation in the opinion of the Insurer, the same shall be initiated at the earliest and the investigation shall be completed expeditiously, in any case not later than 90 days from the receipt of claim intimation and the claim shall be settled within 30 days thereafter. In the event the above mentioned TAT is crossed, due to delay on the part of the Insurer, interest on the claim amount which is 2% above the bank rate from the date of receipt of the last necessary document.
  • 2% interest above the bank rate shall be calculated from the date of receipt of the last necessary document excluding Early Claims which will require investigation. For Early cases requiring investigation, the overall TAT 90 days or lower as per regulation shall be applicable as on date. Three years from policy issuance or reinstatement whichever is later shall be the determining factor for deciding the case, whether it is either Early or Non Early.
  • I agree that all the declarations provided above will be valid for all the future Insurance policies of HDFC Life issued against the Airtel recharge with complementary Insurance for a period of 12 months from the date of acceptance of these T&C's
  • For any further queries, the policyholder should reach out to HDFC Life Insurance Co. Ltd. on their toll-free number, official email ID or offices as mentioned in the policy document or certificate of insurance

Bharti AXA Life Insurance - Terms & Conditions

hdfc life

  • Policy is applicable with Airtel Recharge and meeting age boundary condition of 18-54 yrs at the time of Insurance activation. Policy will be issued in the name of the individual as registered with Airtel.
  • This policy is offered by Bharti AXA Life Insurance Co. Ltd. and covers benefit of INR 4 lakhs for death (except suicide) for a period of 1 year if continuously recharged with the same Airtel Recharge with complementary Insurance. In case of successful claim, the payout would be made to the Nominee / Legal heir.
  • Customer shall receive the policy certificate directly on his/her mobile no. registered with Airtel on which the Airtel recharge with complementary Insurance has been activated.
  • Sum assured per SIM would be restricted to INR 4,00,000/- (Indian Rupees Four Lakhs only).
  • In case the member is holding multiple sim cards and insurance is activated on all such cards, maximum Sum Assured payable at the time of death claim will not exceed INR 4,00,000/- (Indian Rupees Four Lakhs only) in any case

As per Section 41 of the Insurance Act, 1938 (as amended from time to time)

“(1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer:

Provided that acceptance by an insurance agent of commission in connection with a policy of life insurance taken out by himself on his own life shall not be deemed to be acceptance of a rebate of premium within the meaning of this sub-section if at the time of such acceptance the insurance agent satisfies the prescribed conditions establishing that he is a bona fide insurance agent employed by the insurer.

(2) Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.

SECTION 45 OF INSURANCE ACT 1938 as amended from time to time

Fraud, Misrepresentation and forfeiture would be dealt with in accordance with provisions of Sec 45 of the Insurance Act 1938 as amended from time to time. [A simplified version of the provisions of Section 45 is mentioned below for reference] 

Provisions regarding policy not being called into question in terms of Section 45 of the Insurance Act, 1938, as amended from time to time

  1. No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from
  • the date of issuance of policy or
  • the date of commencement of risk or
  • the date of revival of policy or
  • the date of rider to the policy
    whichever is later.
  1. On the ground of fraud, a policy of Life Insurance may be called in question within 3 years from
  • the date of issuance of policy or
  • the date of commencement of risk or
  • the date of revival of policy or
  • the date of rider to the policy
    whichever is later.

For this, the insurer should communicate in writing to the insured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which such decision is based.

  1. Fraud means any of the following acts committed by insured or by his agent, with the intent to deceive the insurer or to induce the insurer to issue a life insurance policy:
  • The suggestion, as a fact of that which is not true and which the insured does not believe to be true;
  • The active concealment of a fact by the insured having knowledge or belief of the fact;
  • Any other act fitted to deceive; and
  • Any such act or omission as the law specifically declares to be fraudulent.
  1. Mere silence is not fraud unless, depending on circumstances of the case, it is the duty of the insured or his agent keeping silence to speak or silence is in itself equivalent to speak.
  1. No Insurer shall repudiate a life insurance Policy on the ground of Fraud, if the Insured / beneficiary can prove that the misstatement was true to the best of his knowledge and there was no deliberate intention to suppress the fact or that such mis-statement of or suppression of material fact are within the knowledge of the insurer. Onus of disproving is upon the policyholder, if alive, or beneficiaries.
  1. Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made in the proposal or other document basis which policy was issued or revived or rider issued. For this, the insurer should communicate in writing to the insured or legal representative or nominee or assignees of insured, as applicable, mentioning the ground and materials on which decision to repudiate the policy of life insurance is based.
  1. In case repudiation is on ground of mis-statement and not on fraud, the premium collected on policy till the date of repudiation shall be paid to the insured or legal representative or nominee or assignees of insured, within a period of 90 days from the date of repudiation.
  1. Fact shall not be considered material unless it has a direct bearing on the risk undertaken by the insurer. The onus is on insurer to show that if the insurer had been aware of the said fact, no life insurance policy would have been issued to the insured.
  1. The insurer can call for proof of age at any time if he is entitled to do so and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof of age of life insured. So, this Section will not be applicable for questioning age or adjustment based on proof of age submitted subsequently.

[Disclaimer: This is not a comprehensive list of amendments of Insurance Laws (Amendment) Ordinance, 2014 and only a simplified version prepared for general information. Policy Holders are advised to refer to Original Ordinance Gazette Notification dated December 26, 2014 for complete and accurate details. ]

Claims Procedure:

  • Age proof of the insured: Since the policy is issued basis date of birth declared by the insured at the time of opting for the policy, to validate the actual age of the insured, Bharti AXA Life will be calling for age proof of the insured at the claims stage. If the age of the insured is found to be outside the permissible age bracket of 18-55 yrs, such claim would be repudiated.
  • Nominee details: For cases where nominee details are not available, Bharti AXA Life would need a valid legal document (like succession certificate issued by court) to decide on the legal heirs of the life insured and payee for the claim benefit. Getting such document is a tedious and lengthy process and hence, claim process for such cases would be delayed (till receipt of such document).
  • Sum assured per SIM would be restricted to INR 4,00,000/- (Indian Rupees Four Lakhs only). If a customer is holding more than two (2) policies due to issuance of multiple SIM by Airtel to the customer, maximum Sum Assured that would be payable at the time of claim will not exceed INR 4,00,000/- (Indian Rupees Four Lakhs only).
  • Below are the documents required to register the claim:

Mandatory documents

  • Death Claim Form
  • Copy of Death Certificate issued by Local Authority
  • Copy of KYC documents (Photo ID and Address proof) of the nominee
  • Copy of Age Proof of the insured
  • Personalized cancelled cheque or bank account details of the nominee
  • Original Policy Bond

Additional documents in case of death due to Accident / Suicide / Murder:

  • Copy of FIR
  • Copy of Post Mortem Report

Additional documents in case of death due to Illness / Natural death:

  • Copy of medical records such as consultation notes, discharge summary, test reports
  • Treating Doctor’s Certificate (Company’s Format)
  • Employer’s Certificate (in case of salaried individuals) (Company’s Format)