GROUP INSURANCE SCHEME

Membership

• All Air Warriors who are members of GIS-16 Scheme will automatically become members of GIS-20 Scheme. The Scheme will be compulsory (refer AFI 16/87) for all Air Warriors [Offrs/Airmen/NCs(E)] who are commissioned/enrolled in IAF on or after 01 Apr 20.


• Flight Cadets drawn from civil life will become members of GIS - 20 Scheme from the date of their being taken on strength at the respective Training establishments. Likewise, in-service Airmen, who are selected to undergo training as Flt Cdts, will become members of revised GIS - 20 Scheme as applicable to Flt Cdts during training period. Monthly contribution in respect of such in-service Airmen Flt Cdts will be same as applicable to other Flt Cdts and the contribution will be recovered through their IRLA.

Insurance Cover and Monthly Contribution

• The monthly contribution and amount of insurance cover for different categories is tabulated below :-
  
  

  Category of Members	Death Cover (Wef 01 Oct 24)	Monthly Contribution ( )
  		Risk Element	Flying Extra	Saving Element	Total Subs
  1. Flying branch officers#
  1.1 Service upto 20 years	1.25 Crore	1280	2200	5120	8600
  1.2 Service above 20 years but upto 30 years	1.25 Crore	1280	500	5120	6900
  2. Flying branch officers with more than 30 years of service & Ground duty branch officers	1.25 Crore	1280	Nil	5120	6400
  3. Flight Cadet (including Airmen Flt Cdts)
  3.1 Flying Branch	1.25 Crore	1280	2200	5120	8600
  3.2 Ground Duty Branch	1.25 Crore	1280	Nil	5120	6400
  4. Airmen and AC(U/T)s	62.50 Lakh	640	Nil	2560	3200
  5. NCs(E)	31.25 Lakh	320	Nil	1280	1600
  DISABILITY COVER 50 % OF THE DEATH COVER FOR 100% DISABILITY COVER REDUCES PROPORTIONATELY UPTO MINIMUM 20% OF DISABILITY ASSESSED BY INVALIDATING MEDICAL BOARD (IMB) BY DGMS(AIR) / PMO HQ TRG COMMAND # INCLUDING OTHER BRANCH OFFICERS DRAWING FLYING PAY.

Recovery of Contribution

• Monthly contribution at the rates mentioned above will be recovered from the IRLA of Air Warriors commencing from the pay for the month of Mar 20.

Survival Benefit (SB)

• Survival Benefit (SB) consists of two parts viz the 'Saving Element (SE)' portion of the monthly contribution and the interest that is credited / accrued on it (as per the rates notified by the Society) and bonus, if any, declared by the Society. The rate of interest on SB, which is notified once or more times during a financial year, is approved by the BoT of AFGIS. SB balance that has accumulated under the GIS-20 Scheme and earlier schemes will be retained to the credit of the Air Warrior by the Society till such time the same is payable to the members on account of his / her retirement/ release (on disability / other valid reasons) /superannuation or to the nominee(s) / legal heir (s) with the death claim. The accumulated balance of SB (excluding bonus) under the GIS-20 and earlier schemes will get interest as approved by BoT from time to time. The historical RoI on Survival Benefit is as follows:

  Sl No	W.e.f	Interest (%)
  1	01 Apr 26	8.00%
  2	01 Oct 24	8.25%
  3	01 Apr 22	8.00%
  4	01 May 20	7.50%
  5	01 Jan 20	8.50%
  6	01 Oct 16	9.00%
  7	01 Oct 13	10.00%
  8	01 Oct 08	9.50%
  9	01 Apr 07	9.00%
  10	01 Apr 04	8.50%
  11	01 Apr 02	9.50%
  12	01 Jan 88	14.00%
  13	01 Jan 87	14.20%
  14	01 Jan 86	14.90%
  15	01 Jan 83	12.00%
  16	01 Apr 82	11.50%
  17	01 Nov 78	10.38%
  18	01 Nov 75	7.25%

Death Benefit

• Death benefit includes the amount of the death cover and the accumulated balance of SB up to the date of death. The increased amount of death cover under GIS-20 Scheme will be payable in case of all death claims arising on or after 01 Oct 24 together with interest and bonus as applicable.

Disability Benefit

• The disability benefit is paid to compensate an Air Warrior for loss of his/her earnings consequent to truncation in service as a result of invalidment.


• Only those Air Warriors who are invalidated out of IAF by an Invalidating Medical Board (IMB) [as distinct from a Release Medical Board (RMB)], whether attributable or non-attributable to service, will be eligible for disability benefit. The maximum amount of disability benefit will be 50% of the amount of death cover for 100% disability and the amount of disability benefit will reduce proportionately depending upon the percentage of disability, upto a minimum disability of 20%. In case of disability of less than 20%, the Air Warrior will not be eligible for any disability benefit. Disability benefit is payable in addition to accumulated balance of SB on invalidment from service. The increased amount of disability cover under GIS-20 Scheme will be payable in cases of disability claims arising on or after 01 Oct 24.


• The disability cover payable by AFGIS is distinct from the disability pension that is payable out of Public Funds. AFGIS does not take cognisance of the actions taken by Govt agencies [CDA (Pension) / others] regarding allowing payment of disability pension from public funds or of revision / changes / broadbanding in the disability percentage. Once the disability benefit is admitted and paid by the AFGIS, it would be final and no further benefits shall be payable for any subsequent aggravation of disability. Disability benefit from AFGIS is not admissible in those cases where the Air Warrior with disability is retained in service based on assessment by Release Medical Board (RMB) till his / her discharge on completion of term of engagement / release / retirement / superannuation / dismissal or in case of release from service consequent to the Air Warrior's refusal to accept a change in Branch/ Trade .


• Air Warriors who are invalidated out of IAF on the following grounds will not be entitled to any disability benefit, irrespective of percentage of their disability:-

• Alcoholism


• Drug addiction


• Self inflicted injuries.


• Disability as a result of attempted suicide.


• Any disability arising out of intentional acts resulting in criminal conviction.


• Invalidment within one year of enrolment or of joining AF due to disability, which is not attributable to service.
  

Survival Benefit (SB) and Withdrawals from SB

Re-instatement in Service

• In the case of air warriors who are reinstated in service in pursuance of a court order, the Survival Benefit received by him/her at the time of his retirement/ discharge has to be refunded by the air warrior to AFGIS in one lump-sum. Arrears of contribution from the month of retirement/discharge/dismissal/removal to the month of reinstatement will be debited by AFCAO (after confirmation from AFGIS) in the IRLA simultaneously with the credit of pay and allowances for the said period. The Society will not pay interest on Survival Benefit for the intervening period from the date of initial payment of SB to the air warrior and upto the date of it's refund to AFGIS.


• No subscription toward GIS scheme will be charged from notionally reinstated Air Warriors, who have not physically joined the office for a single day prior to their notional fresh retirement date.


• AFGIS will have no liability to honour any insurance claim in case of death/ disability of such notionally reinstated Air Warrior.


• However, in cases of reinstatement where an individual physically joins office, he would be liable to be charged subscription from the date of old retirement/ release alongwith lumpsum refund of survival benefit to avail GIS cover.

Nomination

• Vide Chapter 1, Section- B Para 41 of IAP 3601, the accepted nomination for DSOPF / AFPP Fund held at AFCAO will be treated as the valid nomination for payment of Death claim. Air Warriors can also nominate any person(s) other than beneficiaries nominated in DSOPF / AFPPF fund by executing AFGIS-223 upto 100% of death benefit. In cases, where the nomination has not been revised by the Air Warrior after his/her marriage, the first beneficiary of the amount of death claim and SB would be the spouse / children of the deceased subscriber and subsequently other family members.


• All other Rules and Regulations governing GIS-16 Scheme stipulated in IAP 3601 will mutatis-mutandis apply to the GIS-20 Scheme. The GIS-20 Scheme is subject to modification/ termination as decided by the Board of Trustees of AFGIS and such decision will be binding on all Air Warriors.

Old Schemes (Click on the scheme to view details)