Frequently Asked Questions

  • General
  • Service

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This cover shall cover you for the Hospitalization costs incurred in case you are tested positive for Corona Virus Disease. (COVID-19).

The benefits that can be availed under this policy are as follows:

 

Feature Coverage Details
Pre | Post hospitalization days 30 Days | 60 Days
Room rent Restriction No restriction
ICU Limit No restriction
Road Ambulance 1% of the SI
Second Medical Opinion Covered

 

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Individuals in the age group of 1859 years can purchase standalone policies provided he/she is not ineligible as per the terms and exclusions of the cover.

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The policy term is fixed at 5 years or 10 years under the plan. You can choose either of the two options as per your need.

To buy the plan your age at entry should be minimum 18 years and maximum 45 years in case of 5 year Policy term and minimum 18 years and maximum 40 years in case of 10 year policy term.

The minimum maturity age is 23 years and maximum 50 years under the plan.

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The plan offers life insurance cover with premium as low as Rs.1000.

Maximum premium is Rs. 10,000 under the plan irrespective of the policy term chosen for one policy. The insured can buy policies further up to the limit of sum assured being 5,00,000.

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The sum assured is the multiple of the single premium (excluding GST) you have paid, and the policy term chosen by you. The minimum sum assured is Rs. 5000 and maximum is Rs. 1,00,000.

You need to pay premium one time as single premium only. There is no monthly, quarterly or half – yearly mode.

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Yes, the policy will be issued instantly post verification of KYC and other documents uploaded while buying the policy. IndiaFirst Life Insurance reserves the right to cancel the policy within 2 working days in case of any mismatch in data. Any death claims within this period of 2 working days will not be accepted if the policy is rejected due to any discrepancy.

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Once you have paid the premium and uploaded the relevant document, the link to download the policy document will be received by you provided there is no mismatch in data. Also summary of the Khata details will be received from IndiaFirst Life Insurance in 2 working days.

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There is no commitment to pay any future premium however you can buy multiple single premium policies and plan them in such a way that they give you regular income through refund of premium on maturity for each policy.

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Yes, you can buy this plan for your family members provided they are between 18 years and 45 years age for the 5 year plan and between 18 years and 40 years for the 10 year plan.

There is no discontinuance in the plan as this is single premium plan,

Since it’s a single premium, the policy does not lapse. Your risk cover for that policy remains constant till the date of maturity.

Policyholder can surrender the policy any time during the policy term The benefit payable on surrender is higher of guaranteed surrender value (GSV) or special surrender value (SSV).

Yes, change of nominee is allowed anytime throughout the policy term.

  • It is a simple to understand, easy to purchase product which gives you the opportunity to plan your savings with an exclusive Insurance Khata
  • Get complete protection for your loved ones with a death benefit in case of an unfortunate event or receive percentage of premium(s) back basis the age and policy term chosen at the end of the term
  • Invest surplus income, even as low as INR 1000 to ensure the security of your loved ones
  • Be rest assured, as you know the exact amount of benefits right at the inception
  • Pay single premium and get a cover that is 5/10 times of your single premium for a term of 5/10 years respectively.
  • Add to your exclusive Insurance Khata by investing multiple times to increase your cover as per your capacity”.

ReGuard plan includes any electrical/mechanical breakdown/ defects to the electrical/ electronic/mechanical parts of the device, as covered under the Brand Manufacturer’s Warranty. E.g. your device keeps auto rebooting.

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ScreenGuard includes any accidental breakage/damage of the screen for a period from the date of purchase of the device.

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DoubleGuard plan means complete protection for device in terms of damage and malfunction to handset. Instead of selling two different plans for Cracked screen and Extended Warranty, TechGuard has understood the pain point of Retailers/Dealers at the store level. Hence Introducing One -Stop-Solution for all the value added plans that can save both your’s and customer’s time. It covers the below:

  • 12M Cracked Screen which covers only accidental breakage/damage of the screen for a period from the date of purchase of the device for a period of 12 months
  • 6M Extended Warranty which covers any mechanical / manufacturing defects as covered under the brand warranty after the expiry of brand warranty for a period of 6 months.

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This plan is applicable on purchase of New devices (Date of purchase of the new device should be the current date) and up to 11 months Old Device (from the purchase date of the device) depending on the plan opted.

No, there is no depreciation on this plan.

Customer will receive an email and SMS post plan purchase with a link to download the e-certificate.

Repair/replacement costs up to the cost of the new screen will be covered.

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Repairs of all device brands will be done from a Brand Service Center wherever possible (depending on brand and city) or from a TechGuard Authorized Repair Centre (ARC) and in accordance with the terms and conditions of the brand only.

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The extended warranty plan is applicable after the manufacturer’s warranty of the registered device ends. In case the customer’s device had to be replaced by TechGuard when the cracked screen plan was active, the extended warranty plan would continue with the device.

For a ScreenGuard and DoubleGuard Program, the customer cannot raise a repair request for the first 15 days from the date of sale.

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Cracked Screen: (Applicable for DoubleGuard and ScreenGuard)

  •  Any form of physical loss, untraceability or theft of the Mobile Device, or any form of consequential or incidental loss suffered by you arising from the Mobile Device
  • Any Breakage other than cracked screen
  • Cost that you incurred by yourself to repair the Mobile Device with a third party

Extended Warranty: (Applicable for DoubleGuard and ReGuard)

  •  Any physical damage or regular wear and tear or gradual deterioration which affects performance
  • Non-operating and cosmetic damage to the Mobile Device, such as damage to paintwork, Mobile Device finish, dents or scratches
  • Cost that you incurred by yourself to repair the Mobile Device with a third party

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A customer can easily register his repair request from the comfort of his home or office. All they need to do is log on to our chatbot at https://bit.ly/miatg and register their request in any of the 11 languages.

In case the customer finds it difficult to register their request via the chatbot, they can connect with TechGuard customer care team at 1800-103-6024 and they would gladly guide them with their registration.

Ideally the customer should register the repair request as soon as the device is damaged or malfunctioning as any delay might aggravate the damage or malfunction and make it worse.

But TechGuard understands that sometimes it might get difficult for the customer to register the request immediately and TechGuard provides no more than 7 days for them to register their request.

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With the help of our multi-lingual chatbot, it is very easy for a customer to register their repair request on their own.

In case the customer visits the store to seek help from the store staff, the store staff can guide the customer to use the chatbot to register.

In case the customer finds it difficult to register their request via the chatbot, the store staff needs to guide them to our toll-free number where our customer care team would help them out.

Do note that a repair request filed by anyone other than the customer is liable to not be processed further.

  1. Cracked Screen plan: The customer needs to pay the service fee ONLY for a repair request registered for a damaged screen. The customer needs to pay a service fee of 5% for new devices once the repair request has been verified to process. Service fee charged at the time of repair request for old devices will reduce to 5% from 15% if the customer takes up the diagnostic test within 10 days of purchase of the contract (applicable for ScreenGuard or Double Guard)

 

Extended Warranty plan: No service fee is to be paid for a repair request registered for any device malfunction.

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To make the payment process easier and hassle free for the customer, TechGuard has provided both online and offline methods to make the payment.

Online: The customer can log on to our chatbot Mia and click on ‘Complete request formalities’. They can click on ‘Pay Now’ to make the payment via one of the options below: Credit card, Debit card, UPI, Wallet and NetBanking.

Offline: The customer can visit the nearest HDFC bank and pay the cash to our Account number and upload the stamped deposit slip through our chatbot to process their request further.

All the customer needs to do is complete the registration process and leave everything else to TechGuard!

When the registration formalities are completed, TechGuard can pick the device any day 365 days a year at the customer’s comfort and get it repaired from our brand authorized service centre.

Once repaired, the device would be dispatched back to the customer’s address.

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All the customer needs to submit is the invoice copy of the device registered.

The process is completely paperless, and all the customer needs to do is visit our chatbot Mia and upload the document there.

The customer can log into the chatbot and click ‘Complete Request Formalities’ to upload the documents.

Notify or submit a claim in the following way:

  • By calling Toll Free 18001230004 OR
  • By sending an E Mail to mycare@dhflinsurance.com OR
  • Through Customer Portal on website dhflinsurance.com OR
  • Using Mobile App OR
  • Directly walk into branch

While notifying the claim, following information should be provided:

  • Name of insured
  • Insured contact numbers
  • Policy number
  • Date and time of loss
  • Location of loss
  • Nature and approximate extent of loss

Place and contact details of the person at the loss location

toll free no. 18001230004 or

Mail at mycare@dhflinsurance.com

Digit understand the pain that can come with damaging your bike! They do not want to worsen it, which is why they have come up with an easy & quick claims process.

 Give them a call at 1800-258-5956/1800-103-4448 & tell them about the incident. They will send a self-inspection link on your mobile number, click the pictures of the damage & upload.

Once claim is approved, they will either give you advance cash for your repair so that you can repair it at your preferred garage, or you can choose from Digit’s Cashless Network Garages.

 

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