Exservicemen wil get this Benefit From AGIF : Check and Claim Now

The information regarding Extended Insurance of AGIF for Exservicemen publishedin the official website of Army Veterans – Advisory – 8. According to the advisory, the ESM who retires during the specific period will get the Deposited money refund after cetain age. You may check the table mentioned in this advisory.


AGIF provides insurance benefit for serving soldiers and Ex-servicemen. The Ex-servicemen are eligible to be covered under Extended Insurance scheme of AGIF.  At the time of retirement a one time premium is debited from their AGI Maturity amount which is paid towards the extended insurance scheme for retired life which is nominated to the NOK.

AGIF Extended Insurance scheme was introduced wef 01 Jan 81 as an extension of Insurance cover post retirement.

AGIF EI covers specific period and is applicable as per the cover defined at the time of retirement (Please Note: Earlier retirees not entitled to cover provided by the later modifications to the scheme).

Some special features of AGIF Extended Insurance benefit is as under :-
Onetime non refundable premium deducted at the time of retirement.
Being a term insurance, no survival benefits nor any saving component.
An EI Certificate is issued by AGIF to each individual on retirement.
On demise of ESM, NOK required to inform AGIF along with death certificate and the EI Certificate.
On re-employment, EI scheme is suspended as cover provided by existing insurance scheme.
The EI Table below is for general awareness; specific terms and conditions are given in the EI Certificate.

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AGIF Extended Insurance Scheme Table

(Note: Term Period of Cover is for Number of years after retirement or age, whichever is earlier & Amount in Lacs)

SerPeriod ofSum AssuredTerm of CoverRefundable
 Retirement (Whichever is earlier) 
  OffrsJCOs/ORYears post
Years of age 
1.01 Jan 81- 31 Mar 8965,00030,0001065No
2.01 Apr 89 – 31 Mar 941 L0.5 L1065No
3.01 Apr 94 – 30 Jun 992 L1 L2070No
4.01 Jul 99 – 30 Dec 043 L1.5 L2072No
5.31 Dec 04 – 29 Jun 094L2L2675No
6.30 Jun 09- 30 Jul 106L3L2675No
7.31 Jul 10 – 30 Dec 136L3L2675Yes
8.31 Dec 13 – 31 Dec 1410L5L2675Yes
9.01 Jan 15 – 31 Mar 1710L5L3080Yes
10.01 Apr 17 – 31 Dec 2110L5L3080No
11.01 Jan 22 – 31 May 2210L5L26 Offrs
80 Offrs
75 JCOs/OR
12.01 Jun 22 Onwards15L7.5L26 Offrs
80 Offrs
75 JCOs/OR

Documents Required For Claiming EI.

  • Death certificate issued by Registrar of Birth and Death (Death certificate issued by Military Hospital is accepted)
  • Cancelled cheque/cheques with name of beneficiaries (alternatively copy of first page of passbook with names, if cheque does not have name imprinted)
  • AADHAR Card of beneficiaries (as proof of identity).
  • EI Certificate, if available.
SPARSH Pensioners Complete this action by 15 Days to avoid Suomoto action by PCDA

In case beneficiary is other than Nominee / Contingent Nominee

Indemnity Bond with surety as given on website. https://indianarmy.nic.in/writereaddata/documents/Indemnity Bond with.pdf

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