Army AGI Extended Insurance Table PDF Download (1981–2026)
Army veterans often search for the Army AGI Extended Insurance Table after retirement to know their insurance coverage, refundable premium, maturity value, and the amount payable to their Next of Kin (NOK). To help ex-servicemen and their families, we have compiled the AGI Extended Insurance Table from 1981 till date, along with an easy PDF download.
If you retired from the Indian Army or are planning to retire soon, this guide explains everything you need to know about the Army Group Insurance (AGI) Extended Insurance Scheme, including eligibility, refund rules, claim benefits, and the latest insured amounts.
📥 Download: Army AGI Extended Insurance Table PDF (1981–2026)
What is Army Group Insurance (AGI)?
The Army Group Insurance (AGI) Scheme was introduced in 1981 to provide financial protection to serving soldiers and their families. Every serving Army personnel contributes towards the scheme during service.
At the time of retirement, AGI provides two major benefits:
- Maturity Amount accumulated during service.
- Extended Insurance (EI) cover after retirement on payment of a one-time premium.
The scheme ensures that retired Army personnel continue to enjoy life insurance protection even after leaving military service.
**Lets know the detailed information on Dependent I card issued by Rajya Sainik Board and its uitlity **
What is AGI Extended Insurance?
Extended Insurance (EI) is a post-retirement life insurance facility offered by the Army Group Insurance Fund. Instead of paying yearly insurance premiums after retirement, the retiring soldier pays a one-time premium, after which insurance coverage continues for a specified period or up to a specified age.
The duration and insurance amount have been revised several times since 1981.
AGI Extended Insurance Table of Coverage/Refundable Amount
| Date of retirement / Discharge from Regular Army | Extended insurance contribution Amount Paid during retirement (in ₹) | Refundable or not | Period of Coverage | Insured Amount | |
| Offrs | JCOs/OR | ||||
| 01.01.1981 to 31.03.1989 | ₹ 1640/- | ₹ 580/- | Non refundable | 10 Yrs from date of retirement or 65 Yrs of age whichever is earlier. Later Enhanced to 15 Yrs/70 Yrs of age. | ₹ 65,000/- ₹ 31,000/- |
| 01.04.1989 to 31.03.1994 | ₹ 1640/- | ₹ 580/- | Non refundable | 10 Yrs from date of retirement or 65 Yrs of age whichever is earlier. Later Enhanced to 15 Yrs/70 Yrs of age. | ₹1,00,000/- ₹ 50,000/- |
| 01.04.1994 to 01.07.1999 | ₹ 6,900/- | ₹ 3500/- | Non refundable | 20 Yrs / 70 Yrs of age whichever earlier. | ₹2,00,000/- ₹ 1,00,000/- |
| 02.07.1999 to 31.12.2004 | ₹ 15,300/- | ₹ 6800/- | Non refundable | 20 Yrs / 72 Yrs of age whichever earlier. | ₹3,00,000/- ₹ 1,50,000/- |
| 01.01.2005 to 29.06.2009 | ₹ 31,300/- | ₹ 15,500/- | Non refundable | 26 Yrs / 75 Yrs of age whichever earlier. | ₹4,00,000/- ₹ 2,00,000/- |
| 30.06.2009 to to 30.07.2010 | ₹ 42,660/- | ₹ 22,200/- | Non refundable | 26 Yrs / 75 Yrs of age whichever earlier. | ₹6,00,000/- ₹ 3,00,000/- |
| 31.07.2010 to 30.12.2013 | ₹ 51,900/- | ₹ 25,900/- | REFUNDABLE | 26 Yrs / 75 Yrs of age whichever earlier. | ₹6,00,000/- ₹ 3,00,000/- |
| 31.12.2013 to 31.12.2014 | ₹ 82,300/- | ₹ 41,590/- | REFUNDABLE | 26 Yrs / 75 Yrs of age whichever earlier. | ₹10,00,000/- ₹ 5,00,000/- |
| 01.01.2015 to 31.03.2017 | ₹ 122,250/- | ₹63,500/- | REFUNDABLE | 30 Yrs / 80 Yrs of age whichever earlier. | ₹10,00,000/- ₹ 5,00,000/- |
| 01.04.2017 to 31.12.2021 | ₹ 1,09,220/- | ₹55,291/- | Non refundable | 30 Yrs / 80 Yrs of age whichever earlier. | ₹10,00,000/- ₹ 5,00,000/- |
| 01.01.2022 to 31.05.2022 | ₹ 90,000/- | ₹40,000/- | Non refundable | 26 Yrs / 80 Yrs of age whichever earlier for offrs. 30 Yrs / 75 Yrs of age whichever earlier for JCOs/OR. | ₹10,00,000/- ₹ 5,00,000/- |
| 01.06.2022 onward | ₹ 1,60,000/- | ₹68,000/- | REFUNDABLE | 26 Yrs / 80 Yrs of age whichever earlier for offrs. 30 Yrs / 75 Yrs of age whichever earlier for JCOs/OR. | ₹15,00,000/- ₹ 7,50,000/- |
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Key Features of Army AGI Extended Insurance
✔ One-time premium at retirement
✔ Life insurance cover after retirement
✔ Different coverage based on retirement year
✔ Premium refundable only for certain batches
✔ Death claim payable to Nominee/Next of Kin (NOK)
✔ Insurance validity based on age or specified period
How Does Extended Insurance Work?
At retirement, the retiring soldier has the option to avail the Extended Insurance Scheme.
After paying the prescribed premium:
- Insurance coverage starts immediately after retirement.
- Coverage remains valid up to the prescribed age or insurance period.
- If the veteran dies during the insured period, the nominee receives the insured amount.
- If the veteran survives beyond the insurance period, coverage automatically expires.
Is the Extended Insurance Premium Refundable?
This is one of the most frequently asked questions by Army veterans.
The answer is No, not for everyone.
Only Army personnel retiring during certain notified periods are eligible for refund of the Extended Insurance premium.
For all other retirees:
- The one-time premium is non-refundable.
- Only insurance cover remains available during the insured period.
Therefore, veterans should carefully check the applicable rules according to their retirement date.
What Happens After the Insurance Period Ends?
Depending upon the applicable AGI policy:
If the Veteran Survives
Insurance cover expires.
Refund, if applicable, is paid according to the policy.
For many retirees, no refund is admissible.
If the Veteran Dies During the Insurance Period
The Next of Kin (NOK) can claim:
Insured amount, or
Refundable amount (where applicable),
as per the prevailing AGI rules applicable to the veteran’s retirement year.
Army AGI Extended Insurance Table (1981–2026)
The insured amount, premium, refund rules, and insurance period have changed several times since the introduction of the scheme.
Below is the latest consolidated table.
(Insert Your AGI Extended Insurance Table Here)
The table should include:
Retirement Period
One-Time Premium
Insurance Cover
Coverage Period
Maximum Age
Refundable Premium (Yes/No)
Refund Amount
Remarks
Download Army AGI Extended Insurance Table PDF
For easy reference, you can download the complete AGI Extended Insurance Table in PDF format.
The PDF contains:
AGI Extended Insurance from 1981 onwards
Insurance Amount
Refundable Premium Details
Applicable Age Limit
Insurance Period
Refund Rules
Death Claim Details
📄 Download PDF
(Insert Download Button)
Documents Required for Insurance Claim
In case of the unfortunate demise of an Army veteran during the Extended Insurance period, the Next of Kin generally needs the following documents:
Death Certificate
Discharge Book
PPO Copy
AGI Membership Details
Identity Proof
Bank Account Details
Nominee Details
Claim Form
Other documents, if required by AGIF
How to Claim AGI Extended Insurance?
The claim can generally be submitted through:
Army Group Insurance Office
Zila Sainik Board
Record Office (where applicable)
It is advisable to keep all retirement documents safely preserved to facilitate hassle-free claim settlement.
Frequently Asked Questions (FAQs)
What is AGI Extended Insurance?
It is a post-retirement life insurance cover provided by the Army Group Insurance Fund after payment of a one-time premium.
Who is eligible?
Army personnel retiring from service and covered under the AGI Scheme.
Is the premium refundable?
Only certain retirement batches are eligible for refund. Others receive only insurance protection.
Can the family claim insurance after the veteran’s death?
Yes. If death occurs during the insurance period, the nominee or Next of Kin can claim the admissible insurance amount.
Where can I download the latest AGI Extended Insurance Table?
You can download the complete PDF from this page.
Important Points Every Army Veteran Should Know
- Always preserve your retirement documents.
- Inform family members about AGI benefits.
- Keep nominee details updated.
- Verify whether your retirement batch is eligible for refundable premium.
- Maintain copies of PPO, discharge book, and AGI documents.
Conclusion
The Army AGI Extended Insurance Scheme has provided valuable financial protection to retired Army personnel and their families since 1981. Although the insurance amount, premium, refund rules, and coverage period have changed over the years, the scheme continues to offer an important safety net for ex-servicemen.
If you are searching for the Army AGI Extended Insurance Table PDF, this page provides the latest consolidated information from 1981 till date, making it easier for veterans and their families to understand their entitlements and claim benefits whenever required.