Exservicemen Must Follow – AGI Extended Insurance Benefit 2026 – Complete Guide

Background and Objective of Army Group Insurance (Extended) Benefit for Exservicemen Family

The Extended Insurance Benefit 2026 has been introduced to ensure continued financial protection to defence personnel and eligible beneficiaries beyond the standard insurance coverage period. The scheme primarily aims to safeguard families of service personnel and ex-servicemen against financial hardship arising from death or disability after retirement or release from service, subject to prescribed conditions .

Applicability of the Extended AGIF Scheme

The benefit is applicable to:

Serving Armed Forces personnel nearing retirement
Retired defence personnel who have opted for extended coverage
Eligible family members / nominees in case of death
Legal heirs where nomination is not available

The scheme applies only if eligibility conditions and contribution requirements as laid down in the notification are fulfilled .

Nature of Insurance Coverage

Under the Extended Insurance Benefit:

Insurance coverage continues for a specified extended period beyond discharge/retirement
The insured sum is payable to the nominee or next of kin
Coverage is subject to timely option, contribution, and compliance with scheme rules
The benefit is distinct from pensionary or gratuity benefits

Eligibility Conditions

To avail the extended insurance benefit:

The individual must be a member of the applicable defence insurance fund during service
Option for extension must be exercised as per laid-down procedure
Required contribution must be deposited within the prescribed timeline
Claims must arise within the extended coverage period

Failure to meet any mandatory condition may render the claim inadmissible .

Contribution and Validity of AGIF Extended Inbsurance Benefit

Contribution rates are pre-defined and linked to the extension period
Coverage remains valid only for the approved extended duration
No automatic renewal unless specifically provided under the scheme

Claim Admissibility of AGIF Extended Inbsurance Benefit

Insurance claims are admissible in cases of:

Death of the insured during the extended coverage period
Eligible circumstances as defined under the scheme rules

Claims are not admissible if:

Death occurs outside the extended coverage period
Required contribution was not paid
Claim is submitted with incomplete or incorrect documentation

Required Documents for Claim of AGIF Extended Inbsurance Benefit

Commonly required documents include:

Application for extended insurance claim
Death certificate (in original or attested copy)
PPO / Discharge Book / Service details
Nomination details or legal heir certificate
Bank details of claimant
Identity proof of claimant

Exact documentation requirements are as per the scheme notification .

Processing Authority of AGIF Extended Inbsurance Benefit

Claims are processed by the designated Record Office / Insurance Authority
Final sanction is subject to scrutiny and verification
Payment is made directly to the eligible claimant’s bank account

Importance for Ex-Servicemen Families

The Extended Insurance Benefit 2026 plays a critical role in:

Providing financial security to families after retirement
Acting as a risk-mitigation tool during the vulnerable post-service period
Supplementing pension-based income support

Specimen Application Form of AGIF Extended Inbsurance Benefit

extended insurance benefit 2026 Download

Conclusion

The Extended Insurance Benefit 2026 is a crucial post-retirement financial safeguard for defence personnel and their families. Proper awareness, timely contribution, and accurate documentation are essential to ensure smooth claim settlement under the scheme .