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Lost your life insurance policy
As a policyholder it’s your right to get a duplicate copy of your policy bond, in case you lose the original one. You must inform your insurer at the earliest regarding the loss of original policy bond. Submit an application to your insurer asking for a duplicate copy of your policy bond ...Read More
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Lost your life insurance policy? Do not panic, just follow these simple steps
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"I had planned to use the money from my life insurance policy for bearing the marriage expenses and couldn't figure out what to do. Thankfully, my insurance agent helped me get a duplicate copy by taking care of the formalities," recalls Kamran.
Like Kamran, most of us would press the panic button if we lost our life insurance policy bond. However, as a policyholder you have the right to get a duplicate copy of your policy bond in case you lose the original one.
Here’s what you should do if you lose your original life insurance policy bond
Immediately inform your insurer
When you lose your original life insurance policy bond, you must inform your insurer at the earliest. Visit the nearest branch of your insurer and talk to concerned authorities regarding the loss. You need to submit an application mentioning the following details:
- Your name in full
- Policy number
- Date of issuance
- Type of cover
You also need t o outline the circumstances under which the policy bond was lost. In case of joint life insurance, you need to submit the application jointly. Some insurers may charge a nominal fee for issuing a duplicate document. This fee is charged while submitting the application.
You can also file a police complaint and submit the acknowledged copy of the same while making your application.
Publish an Advertisement
In some cases, insurers insist on publishing an advertisement in an English or vernacular daily regarding the loss of policy bond. The advertisement needs to be published in the state where you have lost the policy bond. You need to send the copy of the published advertisement to your insurer one month after it has appeared in the newspaper.
Sign an Indemnity Bond
In most cases, you need to sign an indemnity bond on a non-judicial stamp paper. The indemnity bond protects your insurer from any loss, which might be caused due to misuse of the original document. It also states that in case you find the original policy document, you would return it to your insurer.
Once you do so, your insurer, after checking all the documents, would issue a duplicate copy of your policy bond. The word 'Duplicate' would be prominently displayed on the document. Cross-check the details of the duplicate document and bring any discrepancy immediately to the notice of your insurer.
Keeping policy bond safe - An important duty
Life Insurance provides financial support to your family in case something unfortunate was to happen to you. As a policyholder, it’s your duty to keep your policy bond safe. During claim settlement, you, or your nominee, need to present the original policy bond. Always make sure your nominee knows where you have safely kept your policy.
HDFC Life Insurance offers you a host of life insurance policies that protect your dependents from financial contingencies in your absence and aid you in achieving your financial goals. Click here to know more about our products.
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Francis Rodrigues
Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.
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@As per integrated annual report FY24-25, available on www.hdfclife.com. As of May 2025
#Provided we have received all the relevant and required documents and no further investigation is required. Claim settlement process would be completed within stipulated timelines once the claim request is approved
^ Available under Life & Life Plus plan options
***Online Premium for Life Option for HDFC Life Click 2 Protect Supreme(UIN:101N183V01), Male Life Assured, Non-Smoker, salaried, 20 years of age, Policy term of 25 years, Regular pay, Monthly frequency, inclusive of 15% online discount (applicable only for 1st year premium) & exclusive of taxes and levies as applicable. (Monthly Premium of 573/30=19).
**If a customer is a Salaried individual and has opted for a cover of INR 2 Cr with Limited pay, then the total discounts applicable shall be: 10% +7% = 17% discount on the first year premiums.
~Tax benefits of ₹ 54,600 (₹ 46,800 u/s 80C & ₹ 7,800 u/s 80D) is calculated at highest tax slab rate of 30% on life insurance premium u/s 80C of ₹ 1,50,000 and health premium (Critical illness rider) u/s 80D of ₹ 25,000. Tax benefits are subject to conditions under section 80C, 80D, 10(10D) as per Income Tax Act, 1961. Please consult your tax advisor for more information.
#^# Individual Life Insurance Policies issued on or subsequent to 22nd, September 2025, shall be exempt from GST under the provisions of the Goods and Services Tax, 2017.
15. HDFC Life Click 2 Protect Ultimate(UIN: 101N179V01) A Non-Linked, Non-Participating, Individual, Pure Risk Premium/Savings Life Insurance Plan. The policy must be in force on the date of death, with all premiums fully paid, except for the exclusion clauses mentioned in Part F of the policy document.
ARN: ED/08/22/28494
