Q: What is the age eligibility for this cover?

Individuals in the age group of 18 - 59 y ea r s can purchase standalone policies provided he/she is not ineligible as per the terms and exclusions of the cover.

Question 1

What am I covered for under this policy?

Krishna Chowdhary · Accepted Answer

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

Question 2

What is the age eligibility for this cover?

Krishna Chowdhary · Accepted Answer

Individuals in the age group of 18-59 years can purchase standalone policies provided he/she is not ineligible as per the terms and exclusions of the cover.

Question 3

What are the policy term options under the plan?

Krishna Chowdhary · Accepted Answer

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.

Question 4

At what age I can buy the plan?

Krishna Chowdhary · Accepted Answer

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.

Question 5

What is the minimum and maximum maturity age under the plan?

Krishna Chowdhary · Accepted Answer

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

Question 6

How much is the minimum premium I need to pay to get the cover under the plan?

Krishna Chowdhary · Accepted Answer

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

Question 7

What is the maximum premium I can pay under the plan?

Krishna Chowdhary · Accepted Answer

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.

Question 8

How much is the sum assured under the plan?

Krishna Chowdhary · Accepted Answer

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.

Question 9

What is the premium payment frequency and mode in this plan?

Krishna Chowdhary · Accepted Answer

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

Question 10

Will the policy be issued instantly; the moment I make the premium payment?

Krishna Chowdhary · Accepted Answer

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.

Question 11

What will I receive once I have paid the premium?

Krishna Chowdhary · Accepted Answer

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.

Question 12

What is the grace period under the plan?

Krishna Chowdhary · Accepted Answer

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.

Question 13

Can I buy this plan for my family member?

Krishna Chowdhary · Accepted Answer

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.

Question 14

Is there a discontinuance option under this plan?

Krishna Chowdhary · Accepted Answer

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

Question 15

Can I make this plan as paid up?

Krishna Chowdhary · Accepted Answer

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

Question 16

Can I surrender this plan?

Krishna Chowdhary · Accepted Answer

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).

Question 17

Can I change the nominee in this plan?

Krishna Chowdhary · Accepted Answer

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

Question 18

What are the key USPs of the plan?

Krishna Chowdhary · Accepted Answer

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".

Question 19

What does the ReGuard plan include?

Krishna Chowdhary · Accepted Answer

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.

Question 20

What does the ScreenGuard plan include?

Krishna Chowdhary · Accepted Answer

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

Question 21

What is DoubleGuard plan and What does it covers?

Krishna Chowdhary · Accepted Answer

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.

Question 22

Can a customer buy this plan for an existing device or is it applicable only on a new device?

Krishna Chowdhary · Accepted Answer

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.

Question 23

Does the device value depreciate during the cover period or at time of claims?

Krishna Chowdhary · Accepted Answer

No, there is no depreciation on this plan.

Question 24

From where will I receive my protection certificate?

Krishna Chowdhary · Accepted Answer

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

Question 25

To what extent will the cost of repairs/replacement be covered for screen damage?

Krishna Chowdhary · Accepted Answer

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

Question 26

Where will the repairs be done from?

Krishna Chowdhary · Accepted Answer

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.

Question 27

If the customer’s device is replaced under the cracked screen plan, will the extended warranty plan be applicable for the replaced device as well? (Applicable for Double Guard)

Krishna Chowdhary · Accepted Answer

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.

Question 28

What is Cool off period?

Krishna Chowdhary · Accepted Answer

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

Question 29

What are the main Exclusions of the Cracked Screen and Extended warranty features?

Krishna Chowdhary · Accepted Answer

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

Question 30

How can a customer register his repair request?

Krishna Chowdhary · Accepted Answer

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.

Question 31

When should the customer register the repair request?

Krishna Chowdhary · Accepted Answer

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.

Question 32

Can a store staff register the repair request on behalf of the customer?

Krishna Chowdhary · Accepted Answer

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.

Question 33

What is the service fee to be paid by the customer for processing the repair request?

Krishna Chowdhary · Accepted Answer

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.

Question 34

How does the customer pay the service fee to process the repair request?

Krishna Chowdhary · Accepted Answer

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.

Question 35

Once the repair request is registered and all formalities completed, does the customer need to visit the service centre for repair?

Krishna Chowdhary · Accepted Answer

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.

Question 36

Are there any documents to be submitted for processing the repair request?

Krishna Chowdhary · Accepted Answer

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.

Question 37

What is the Claim Process for Navi General?

Krishna Chowdhary · Accepted Answer

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

Question 38

What is the Claim Process for Digit?

Krishna Chowdhary · Accepted Answer

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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