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CURRENT LIFE INSURANCE SCHEMES (SERVING)

A number of Schemes have so far been introduced. Each Scheme is an improvement over the previous Scheme providing improved benefits in the event of death, disability or survival. Some of the Schemes have since been closed membership is accepted for Schemes other than GIS-11 and FPLI-14 (Flying Branch only).

At the time of retirement the saving element of contribution with interest accumulated on it along with bonus (if any) is paid to the member on the Survival Benefit Claim from 'AFGIS-212'. In case the member is entitled to pension the individual is provided Post Retirement Insurance Cover (PRIC) for which the nomination form 'AFGIS-224' is to be filled by the member.




In the event of death occurring before the terminal date (ie. while in service), the beneficiary will be paid as death benefit, the sum assured plus saving element of respective scheme for appropriate years of participation with interest. Sum assured against death benefit are as follows :-
  • Officers : Rs.50 Lakh + Rs.10 Lakh (For members covered under FPLI only).
  • Airmen : Rs.25 Lakh + Rs.5 Lakh (For members covered under FPLI only).
  • NCs(E) : Rs.12.5 Lakh.
  • Nomination

    The accepted nomination for DSOPF / AFPP Fund held at AFCAO will be treated as nomination for AFGIS for the purpose of payment of death claim whilst in service. "In the event of nomination not being revised after marriage, first beneficiary is the wife / children of the deceased subscriber and subsequently the other family members". A member can nominate any of their family members for death benefits. The term "family member" for the purpose of nomination is as under:-
    • Family members
      • In case of married members. The wife / husband, parents, children, minor brother(s), unmarried sister(s), deceased sons widow and children and where no parents of the member is alive, a paternal grandparent.

      • In case of unmarried members, widows and widowers not having children. May nominate any person(s). in the absence of any such nomination, the beneficiaries would be father and mother in that order.
    Nomination by Exception : AFGIS (Form)-223. [In duplicate]

    A member who desires to nominate any person other than beneficiaries nominated for DSOP/AFPP fund may do so by executing AFGIS-223. Such nominations must indicate the names and details of all the persons eligible to receive the benefit in specific percentages. The sum total of the percentage of benefit must total to cent percent (100%). If this nomination (Form-223) has been executed prior to self marriage, then the same would become invalid on self marriage unless revised after the date of marriage. In the event of invalid Form 223, the death benefits will disbursed as per valid DSOPF/AFPPF nomination. In the event of invalid nominations, the first beneficiary is wife/children of the deceased member and subsequently the other family members.

    Note :
  • All dues outstanding against a member / beneficiary in the books of AFGIS / IAFBA would be recovered as a first charge.

  • Whenever there are more than one nominee, the specific percentage of share of the nominee should be mentioned against each.
  • In case where the beneficiary is minor, the death benefit payable will be invested in Indian Air Force Social Security Deposit (IAFSSD) Cumulative Scheme of AFGIS until the beneficiary becomes major or submission of Guardianship certificate from court of law.

    Documents

    Following documents are required to be forwarded by the beneficiary / Unit for payment of death benefit:-
  • AFGIS 230 (Death Claim Form) [Single Copy] : To be filled up by beneficiary. (Available only from AFGIS ).

  • AFGIS 227 (Bank Confirmation) [ Single Copy] : To be verified by the Bank Manager (Available only from AFGIS). Beneficiary must have a single account (Not a Joint account).

  • Appendix "K" [Single Copy] : As per format given in IAP 3601 need to be forwarded by Unit to AFGIS at the earliest.
  • Note : Part II of the Death Claim (AFGIS 230) is to be attested by Magistrate / AOC / Stn Cdr of any Air Force Unit.


    Every member who is invalided out of service due to disability by an invaliding Medical Board (not Release Medical Board held at the time of retirement) on account of disability, whether attributable to service or not, is provided disability benefit at half the life cover for 100% disability and for lesser disability in the same proportion subject to a minimum disability of 20%.

    NOTE : A disability detected in a Release Medical Board does not entitle the person to disability benefit since the scheme is structured on the philosophy of compensating an individual on whom Release/Discharge is enforced by the service itself by means of an Invaliding Medical Board. Here the stress is on discharge being enforced on the person. Here it may be noted that the disability pension granted by the pension authorities have no bearing on the grant of disability benefit by AFGIS. In case an individual is offerred an alternative trade and refuses to accept it he would not be eligible for disability benefit. In view of the above the following are not eligible for disability benefit from AFGIS.
    • Personnel detected with disability in Release Medical Boards.
    • Personnel who refuse alternate employment (Remustering) on being detected with a disability.
    Attributability: Attributability of disability to service is no consideration for payment of disability benefit. The main criteria is the degree of disability recommended by the Services Medical Board and invaliding out of service of a member, which must co-exist. However, the Society does not accept any liability for subsequent aggravation of disability.

    Exceptions: Members invalided out of service for the causes given below are not entitled to any disability benefit irrespective of the percentage of disability :
    • Alcoholism.
    • Drug Addiction.
    • Self inflicted injuries.
    • Disability arising out of attempted suicide.
    • Any disability, arising out of intentional acts resulting in criminal conviction.
    • Invalided within one year of enrolment or on joining AF due to disability which is not attributed to service.
    • On refusal/ unwilling to accept/ remuster to other branch/ trade.
    Disability Claim Forms :
    Following Forms need to be filled in order to avail disability benefit from the Society :


    1. Considering the increasing trend of the numbers of air warriors withdrawing their survival benefit balances which results on one hand in eroding of the funds available with AFGIS and, on; the; other, compromising the financial security of the air warriors and their beneficiary NoK, the Board of Trustees of AFGIS has  approved revision of certain provisions of the scheme. The details of the revision is given below:-

    • (a) Final withdrawal will be admissible only once in the service career of the air warrior.
      (b) Final withdrawal from SB balance will be admissible only after the air warrior completes 15 years of actual service.
      (c) The max amount of final withdrawal will be restricted to 50% of the balance available.
      (d)Final withdrawal will be allowed only for purpose of defraying expenditure on higher education/marriage of a ward of the air warrior.

    2. All other rules and provisions pertaining to the scheme will remain unchanged.

    3. The revised policy will be effective from 01 Oct 15.


    LOANS FROM AFGIS
    House Building Loan (HBL)
    Documents Required

    AFGIS : HOUSE BUILDING LOAN (HBL) : RULES AND TERMS CONDITIONS

    (Revised 01 Oct 15)

    Application Form Cost Processing Fee (Click for details)

    Loan Amount Admissible, No of Installments and Rate of Interest charged (Click for details)

    IMPORTANT NOTE
    Before applying for HBL from AFGIS, applicants must read the policy governing grant of HBL given in Chapter 10 of IAP 3601 and the AFGIS website (afgis.iaf.in) and AFNET. Applicants are also advised to consult Unit Adjutant / SAO.

    ELIGIBILITY

    Category

    Officers

    Airmen

    NCs(E)

    A.HBL for self-construction of a house or for purchase of residential plot or for purchase of house/flat from a pvt builder or for purchase of an existing house or for repayment of house loan taken from bank/financial institution or for renovation /extension of an existing house/flat

    5 Years

    5 Years

    5 Years

    B.HBL for acquiring residential plot/ flat/house/from AFNHB /AWHO/IRWO or other housing boards or for purchase of residential plot from Central/State govt/ other civil authorities like DDA/BDA/JDA

    6 Months

    2 Years

    2 Years

    QUANTUM OF LOAN

    Category of
    Member

    Purpose of HBL

    Max Amount

    Remarks

    Officers (PC/SSC) Airmen/ NCs (E)

    For purchase/construction of house/flat

    Rs 50 lacs

    Amount of HBL sanctionable is subject to the repaying capacity of the applicant (refer para 5)

    For extension/renovation of house/flat or purchase of residential plot

    Rs 25 Lacs

    RATE OF INTEREST

    Category

    Upto 7 Lacs

    Upto 15 Lacs

    Above 15 Lacs

    Officers/Airmen

    9.25% pa

    9.25% pa

    10% pa

    NCs(E)

    8% pa

    9.25% pa

    10% pa

    Note: 2nd & subsequent HBL and HBL for renovation/extension of house/flat etc : 10.25 %pa

    Repaying Capacity

    • The quantum of HBL admissible to the applicant would depend on his/her repaying capacity which is determined by ascertaining that the total deductions (including the anticipated EMI towards the HBL that is now being applied for) in the applicant’s IRLA does not exceed 80% of the gross emoluments reflected in the latest monthly pay slip.

    Processing Fees

    • Processing fees @ 0.15% of the HBL sanctioned amount (rounded off to the nearest 10) subject to a min of 500/- and max of  5000/- would be recovered from the remittance of the 1st installment of the HBL.

    Loan Insurance

    • HBL availed from AFGIS has to be mandatorily insured by payment of necessary contribution (premium) by the loanee (refer chart for contribution)
    • Loan insurance is compulsory for all types of hbl.
    • The insurance cover to the loan is provided upto the last EMI (installment).
    • If the loan is disbursed in one lumpsum, then one time non-refundable contribution towards loan insurance will be recovered from loan amount.
    • In case the loan is disbursed in installments then contribution will be recovered from the amount of Installments.
    • In case an individual opts to repay the loan in higher number of installments, additional amount of contribution toward loan insurance will be recovered for enhanced period of repayment of loan.
    • In the event of death of loanee, the principal outstanding as on the first day of the month in which death occurs will be adjusted and no loan amount will be recovered from the death benefits payable to the nominee from AFGIS.
    • The year wise break down of one time non-refundable contribution for Rs.1,00,000/- of house loan is as follows :

    Term(Years)

    Amt of Contribution (1 Lac of HBL )

    Officers

    Aitmen/NCs(E)

    1

    319

    275

    2

    484

    410

    3

    651

    544

    4

    819

    678

    5

    988

    813

    6

    1158

    950

    7

    1332

    1089

    8

    1510

    1231

    9

    1694

    1371

    10

    1884

    1514

    11

    2080*

    1658**

    12

    2287

    1804

    13

    2503

    1954

    14

    2725

    2109

    15

    2951

    2268

    16

    3179

    2432

    17

    3407

    2605

    18

    3634

    2785

    19

    3860

    2970

    20

    4084

    3158

    21

    4306

    3384

    22

    4511

    3536

    23

    4707

    3723

    24

    4897

    3909

    25

    5086

    4094

    Note 1: One time non-refundable contribution will be calculated for amount in  multiples of lacs and the tenure (no of years) of the loan. Fraction of a year will be counted as one full year.



    EXAMPLE                 
                

    If an individual has been sanctioned a loan of Rs. 5.93 Lac in 125 installments (i.e. 10 years 5 months), non refundable contribution will be charged for Rs. 6 Lac in 132 installments (i.e. 11 years)

    HBL sanctioned : Rs. 6 lacs

    Tenure of Repayment : 125 EMIs

    Calculation :

    Amount on which premium is calculated :  Rs. 6 lacs
    Tenure of Repayment : 11 years ( 10 years 5 months)

    Amount of contribution :


    Officers

    Rs. 12480/-

    (6,00,000/1,00,000) X 2080*

    Airmen/NCs(E)

    Rs. 9948/-

    (6,00,000/1,00,000) X1658**

     

    Repayment of HBL

    • The repayment period for different categories is appended below :

    (a) The principal amount and interest is recoverable in max of 300 EMIs.   The principal amount and interest of second and subsequent HBL would be recoverable in max of 240 installments.
    (b)  In case of purchase of residential plot, the HBL is recoverable in max 180 EMIs and for renovation/extension of house/flat max of 240 EMIs including the EMIs paid for the existing loan.

    Penal Rate Of Interest

    • 15% pa penal rate of interest is chargeable for non-submission of documents and non-compliance of stipulated policy & rules.

    Second/ Additional Loan from AFGIS

    • Second and subsequent/additional HBL may be sanctioned to those members who have liquidated the HBL taken earlier in full and have the repaying capacity and meet all other eligibility and other terms and conditions.


    HBL FOR PROCUREMENT OF MODERN HOME INSTALLATIONS
    Documents Required

    SALIENT FEATURES

    SL NO

    CRITERIA

    DETAILS

    1.

    Eligibity

    1.    Air warriors who have completed five years of regular service.

    2.    Applicant must be the sole owner of the subject house property or jointly owned with his/her spouse.

    2.

    Max Quantum of Loan

    Officers                  – Rs 5 lakh
    MWO/WO/JWO     – Rs 3 lakh       subject to re-paying
    Sgt & below           – Rs 2 lakh        capacity
    NCs (E)                  - Rs 1 lakh    

    3.

    Home Installations Covered

    Modular Kitchen
    Solar Heating Energy System
    Inbuilt Wardrobes
    Rain Water Harvesting System
    False Ceiling (wooden/plaster of paris etc)
    Security  and Safety Systems (like cctv/fire alarm/ iron grills etc)

    4.

    Rate of Interest

    10% pa

    5.

    Repayment of Loan

    60 EMIs (max)

    6.

    Processing Fees

    @ 0.15% of the loan sanctioned (rounded off to the nearest Rs 10) would be recovered from the remittance of loan.

     

    APPLICATION FORM : INSTRUCTIONS

             1. The application form is to be filled in single copy after ensuring eligibility of loan as per the rules stipulated in Chapter 10 (HBL) of IAP 3601.
    2. Strike out words which are not applicable. No column is to be left blank. Incomplete application will be rejected summarily.
    3. The application is required to be countersigned by AOC/Stn Cdr/CO/Principal Director (as applicable).
    4. No page/ leaf of the application form is to be detached/ removed.
    5. Agreement form attached with the application may also be filled in all respects and signed by the applicant at the bottom of the page duly witnessed by two persons/ air warriors of appropriate status.
    6. Date and amount is not to be written in the Agreement form and Contingent Bill. (Based on Repaying capacity, the amount approved will be filled by AFGIS).
    7. The following is to be attached with the loan application:- (a) Self attested printout of latest e-payslip. (b) Proforma Invoice. (c) Photocopy of registered Sale Deed/Gift Deed of the subject property duly (owned by the applicant or jointly owned with his/her spouse) certified as true copies by the SAo/ Adjutant.
    8. Applicant is to clearly state his/her bank A/c No, IFSC code, name & branch of the bank in the Contingent Bill.
    9. Application should be forwarded to AFGIS under a covering letter from the applicant's unit.
    10. The address to which the cheque is to be sent by post is to be clearly mentioned in the application.
    11. The loan shall be mandatorily insured. One-time non-refundable contribution will be recovered from the sanctioned amount of loan.

    EMI CHART @ 10%

    Amt/ Yrs

    50,000/-

    1 Lakh

    1.5 Lakh

    2 Lakh

    3 Lakh

    5 Lakh

    1

    4396

    8792

    13188

    17584

    26375

    43958

    2

    2308

    4615

    6922

    9229

    13844

    23073

    3

    1614

    3227

    4841

    6454

    9681

    16134

    4

    1269

    2537

    3805

    5073

    7609

    12682

    5

    1063

    2125

    3188

    4250

    6375

    10624

     

    ONE TIME NON-REFUNDABLE CONTRIBUTION TOWARDSHBL FOR PROCUREMENT OF

    MODERN HOME INSTALLATIONSINSURANCE FOR RS 1,00,000/-

    Term (in years)

    Officers

    Airmen/ NCs(E)

    1

    319

    275

    2

    484

    410

    3

    651

    544

    4

    819

    678

    5

    988

    813

     

    Motor Conveyance Loan (MCL)
    Documents Required

    SALIENT ASPECTS OF THE MCL POLICY (EFFECTIVE 01 AUG 2015)


    Category

    Types

    Eligibilty

    Quantum of Loan

    Repayment
    No. of Installments

    Officers(incl SSC officers) (a) New Four wheeler
    Officers who have completed of at least six months of actual service from the date of their first appointment (incl post-commissioning trg assignment) after grant of PC/SSC.
    Rs 15 lakhs
    180

    (b)Pre-owned four wheeler

    -do-

    Rs 6 lakhs

    120
    (a) New Two Wheeler On commissioning (PC/SSC). Rs1,50,000/-
    96

     

    Airmen

     

    (a )New  four wheeler

    SNCOs with pensionable service are eligible.

    Rs6 lakhs

    180
    (b )Pre-owned four wheeler
    -do-
    Rs3 lakhs
    120
    (a) New Two Wheeler
    SNCOs/Cpl & below with minimum two years of service.
    Rs75000/-
    96

    NCs(E)

    New Two Wheeler

    With minimum two years of service are eligible.

    NCs(E) with 10 or more years of service Rs55,000/-

    NCs(E)with less than 10 years of service
    Rs35,000/-

    96

    NOTES
    1. RATE OF INTEREST FOR MCL ON FIRST LOAN -10% p.a
    2. FOR THE SECOND/SUBSEQUENT MCL FOR A PARTICULAR TYPE OF VECHILE- 1% p.a ADDITIONAL INTEREST OVER AND ABOVE THE PRESCRIBED RATE WOULD APPLY.

    FOR FURTHER DETAILS, KINDLY REFER AFNET WEBSITE


    Personal Computer Loan (PCL)

    Documents Required


    Eligibility -

    Officers

    After completion of six months of service.

    Airmen

    After completion of two years of service

    NCs(E)

    After completion of ten years of service

    Quantum of Loan

    Officers

    Rs Two lakhs

    Airmen

    Rs One lakh

    NCs(E)

    Rs 50,000/-

    List of Items - Loan admissible for purchase of computer (desktop/ laptop) and   necessary peripherals (monitor/ keyboard/ mouse/ speakers/ headphone/printer/multi functional device etc) and accessories (UPS, external HDD,OHP projector etc) and computer table.

    Rate of Interest – 10 % pa

    Processing Fees - The processing fees of 0.1% on the loan amount sanctioned subject to a minimum of Rs 200/- and max of Rs 1500/- will be recovered by deducting the same from the loan remittance.

    Insurance of PCL - A one-time non-refundable contribution towards insurance of PCL will be recovered from the loanee from the PCL amount. The existing rate of non-refundable contribution towards insurance given below:-

    Tenure Of Loan 
    (Years)

    Amount (Rs)

           Officers   

    Airmen/ NCs(E)

                 1

                319

              275

                 2

                484

              410

                 3

                651

              544

                 4

                819

              678

                 5

                988

              813

                 6

              1158

              950

                 7

              1332

            1089

                 8

              1510

            1231

     

     

     

     

     

     


    Repayment of loan - Maximum 100 installments.

    Discipline Cases - Not eligible if two or more (red ink) entries and five years have not lapsed from the last entry and/or disciplinary proceedings (SOE/GCM/DCM etc) are initiated/ in progress.

    DEPUTATION


    Regular contribution to the scheme is imperative for the members to keep the insurance policy alive. Personnel who have availed long-term loans from AFGIS are required to ensure timely remittance of EMI (Equated Monthly Installment).

    Personnel who proceed on deputation posting abroad are required to pay their contribution and loan repayment installments directly to AFGIS as their IRLA are ceased to be maintained by AFCAO.

    Remittance is to be made well in advance so that the dues are to be realised by AFGIS on or before 7th of every month for which recovery is due. Default in timely remittance leads to lapse in cover of the insurance policy thus denying the benefit due to next of kin. In case of aircrew members, lapse of FPLI leads to inadmissibility of Flying Allowance.

    Procedure for Direct Remittance by Member Personnel on Deputation/posting abroad eligible for direct remittance of AFGIS dues are to ensure the following :-
    • All remittance to be made by Bank Demand Draft payable at New Delhi in favour of AIR FORCE GROUP INSURANCE FUND"
    • Cheques are not acceptable unless such cheques are against branches of Banks operating in (Local clearing cheques).
    • Members may issue standing instructions to the bank for monthly remittance to "AFGI FUND A/C No. 900048" Canara Bank, Subroto Park, New Delhi - 110 010.


    EX GRATIA AWARD TO AIRCREW DECLARED MEDICALLY UNFIT PERMANENTLY FOR FLYING DUTIES

    1.       The Board of Trustees of AFGIS has approved revision of certain provisions of the above mentioned scheme. The details of the revision is given below :-
             


    Category

    Revised Amt of Ex-gratia Award

    Revised Period

    Remarks

    Aircrew Officers

     7500 pm

    For 36 months from the date of cessation of flying allowance or upto  the date of retirement / superannuation / discharge / invalidment, whichever is earlier. 

    All other terms and conditions pertaining to the scheme remain unchanged.

    Aircrew Airmen

     3750 pm

     

    2.       All other rules and provisions pertaining to the scheme will remain unchanged. 

    3.       The revised policy would be applicable to cases which arise on or after 01 Oct 15.

     

    CLOSURE OF AFGIS SCHEME : FINANCIAL ASSISTANCE TO OFFICERS HOSPITALISED BEYOND SIX MONTHS

    1.       Consequent to implementation of Sixth Central Pay Commission’s recommendations, officers are entitled to full pay and allowance for the entire duration of hospitalisation if such hospitalisation was due to reasons attributable to service.  Thus, only cases of extended hospitalisation due to illness / causes not attributable to service remained to be covered under the ibid scheme of AFGIS.

    2.       Considering the fact that during the past  period  of over 10 years,  no case had arisen and /or no request for financial assistance had been received at AFGIS, the Board of Trustees of AFGIS has decided in the BoT meeting held on 12 Aug 15 to discontinue and close the ibid scheme.


    GRANT OF SUBSIDY TO WIDOWS OF AIR WARRIORS WHO DIE IN AN ACCIDENT WHILE IN SERVICE FOR PROCURING DWELLING UNITS

    The object of the scheme is to provide financial assistance to widow of Officer/Airmen/NCs(E) who die in an accident while in service, subsidy is provided to widow to procure dwelling units from all the sources viz. AFNHB/ AWHO/ civil housing agencies including private builders and for self construction. The amount of grant is Rs. 6 lakh and Rs. 4 lakh for Officers and Airmen/NCs(E) respectively which is shared by AFGIS/ IAFBA/ AFWWA(c)/ CWF in the ratio of 60:20:10:10 respectively, revised wef 05 Aug 2013.

    Conditions for admissibility of Subsidy. The subsidy will be granted subject to the following conditions :

    • The subsidy will be payable to the widows of the AF personnel killed in accident while in service subject to the provision that the widow would occupy and live in the dwelling unit.
    • The widow of the deceased Officer/ Airman/ NC(E) should not be already owning a dwelling unit.
    • Acquisition of the dwelling unit will be applicable in the schemes of AFNHB/ AWHO/ Civil housing agencies including private builders and for self construction.
    • If an Officer/ Airman/ NC(E) had already purchased a dwelling unit and full payment had not been made, the scheme will cover such cases also.
    • The house can not be sold out or let out for 10 years after receipt of the subsidy amount and the widow will be required to give an undertaking to this effect in the prescribed forms.
    • Above mentioned conditions would also be binding upon legal heir(s) of the widow in case she demise before 10 years of the possession of the dwelling unit.
      • In case where the deceased Officer/ Airman/ NC(E) has availed House Building Loan (HBL) from AFGIS or any other scheduled bank/ any other housing finance agency and the HBL so availed was insured and as a consequence of such insurance the repayment of outstanding amount of HBL was exempted, then, in such circumstances, the payment of ibid subsidy is not admissible.
      • In case where the spouse of the deceased AFGIS member is a member of AFGIS/AGIF/NGIF, then spouse is ineligible for the subsidy.
      • The subsidy will also be extended to orphaned legitimate children and/ or dependent parents of deceased members also in case a widow did not exist/ had pre-deceased the member on the date of casualty, subject to their meeting all other eligibility conditions. These cases will be put up to BoT for approval on the basis of merits of each case.

    In order to safeguard against misuse of the subsidy scheme, the sale deed would be executed and registered in the joint names of the widow and AFGIS and original documents will be kept in the safe custody of the AFGIS. If the dwelling unit is sold before the completion of 10 years, the widow will have to refund the subsidy amount with interest @15 %. If the dwelling unit is not occupied by the widow, it will be taken back by AFGIS and amount spent by the widow would be returned to her.

    In case where the deceased Officer / Airman / NC(E) has availed the House Building Loan (HBL) from AFGIS or any other scheduled bank / any other housing finance agency and the HBL so availed was insured and as a consequence of such insurance the repayment of outstanding amount of HBL was exempted, then, in such circumstances, the payment of ibid subsidy is not admissible.

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