PolicyBros.in

NRI Document Checklist

Everything you need for buying, renewing, reviving, or claiming LIC policies as an NRI. Keep this checklist handy.

Buying a New LIC Policy

New Purchase
  • Proposal Form

    Standard LIC proposal form filled completely

  • NRI Questionnaire

    Special form for NRIs. available from LIC agent or branch

  • Passport Copy

    Self-attested copy of valid Indian passport (all pages with stamps)

  • OCI Card Copy

    If OCI cardholder. self-attested copy (both sides)

  • Visa / Work Permit Copy

    Proof of legal residence abroad. self-attested

  • PAN Card

    Copy of PAN card (mandatory for policies above ₹50,000 premium)

  • Aadhaar Card

    If available. not mandatory for NRIs but helpful

  • Address Proof (Abroad)

    Utility bill, bank statement, or rental agreement showing overseas address

  • Address Proof (India)

    Indian address proof. Aadhaar, passport, or utility bill at Indian address

  • Income Proof

    Salary certificate, employment letter, or tax returns from country of residence

  • Photographs

    2-3 recent passport-size photographs

  • Age Proof

    Passport serves as age proof; alternatively birth certificate

  • Bank Details

    NRE or NRO account details. cancelled cheque or bank statement

  • Medical Reports

    If required based on age/sum assured. from LIC-empanelled doctor

Renewing / Paying Premiums

Renewal
  • Policy Number

    Your LIC policy number for identification

  • NRE/NRO Bank Account

    Premiums must be paid from NRE or NRO account

  • Online Payment

    Can pay via LIC portal (licindia.in) using net banking/cards

  • ECS Mandate

    Set up auto-debit from NRE/NRO account for hassle-free payments

Reviving a Lapsed Policy

Revival
  • Revival Application Form

    Available from LIC branch

  • All Unpaid Premiums + Interest

    Payment of all dues. LIC will calculate the exact amount

  • Passport Copy (Attested)

    Current valid passport

  • Declaration of Good Health

    Self-declaration or medical exam based on lapse duration

  • Power of Attorney

    If someone in India is handling revival on your behalf

Filing a Claim

Claim
  • Claim Form

    Form 3783 (death claim) or discharge voucher (maturity)

  • Original Policy Bond

    Original policy document. or indemnity bond if lost

  • Death Certificate

    For death claims. attested by Indian Embassy if death occurred abroad

  • Claimant's ID Proof

    Passport, Aadhaar, or PAN of the nominee/claimant

  • Bank Account Details

    Cancelled cheque of claimant's bank account for NEFT credit

  • Medical Certificate

    Cause of death certificate from attending doctor/hospital

  • FIR / Legal Documents

    For accidental death. FIR, post-mortem report

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