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Serving Personnel AFGIS

Current Life Insurance Schemes (Serving)

A number of Schemes have so far been introduced. Each Scheme is an improvement over the previous Scheme providing improved benefits in the event of death, disability or survival. Some of the Schemes have since been closed. Membership is accepted for Schemes other than GIS-11 and FPLI-14 (Flying Branch only).

Survival Benefit Claim

At the time of retirement, the saving element of contribution with interest accumulated on it along with bonus (if any) is paid to the member on the Survival Benefit Claim Form 'AFGIS-212'. In case the member is entitled to pension, the individual is provided Air Veterans Insurance Cover (AVIC) for which the nomination form 'AFGIS-224' is to be filled by the member.

Death Claims While In Service wef 01 Jul 2016

In the event of death occurring before the terminal date (ie. while in service), the beneficiary will be paid as death benefit, the sum assured plus saving element of the respective scheme for the duration the beneficiary participated with interest. Sum assured against death benefit are as follows :-

  • Officers : Rs.75 Lakh + Rs.12 Lakh (For members covered under FPLI only).
  • Airmen : Rs. 37.5 Lakh + Rs.6 Lakh (For members covered under FPLI only).
  • NCs(E) : Rs.18.75 Lakh.

Nomination

The accepted nomination for DSOPF / AFPP Fund held at AFCAO will be treated as nomination for AFGIS for the purpose of payment of death claim whilst in service. "In the event of nomination not being revised after marriage, first beneficiary is the wife / children of the deceased subscriber and subsequently the other family members". A member can nominate any of their family members for death benefits. The term "family member" for the purpose of nomination is as under:-

Family members

  • In case of married members. The wife, parents, children, minor brother(s), unmarried sister(s), deceased son’s widow and children and where no parents of the member is alive, a paternal grandparent; provided that if a member proves that his wife has been judicially separated from him and has ceased under the customary law of the community, to which she belongs to be entitled to maintenance, she shall henceforth be deemed to be no longer a member of GIS member’s family in matters to which these rules relate to unless the member subsequently intimates, in writing to Principal Director, AFGIS that she shall continue to be so regarded.
  • In case of Unmarried member/widow/widower. Unmarried member/widow/widower without any children may nominate any person(s) to receive the amount that may stand to his credit in the event of his death. If he/she nominates more than one person he shall specify in the nomination the share payable to each one of the nominees in such a manner as to cover the whole of the amount. In the absence of any such nomination the beneficiaries would be mother and father in that order. In case, both the parents are not alive, a succession certificate from a Court of competent jurisdiction would be required to determine the beneficiaries.

Nomination by Exception : AFGIS (Form)-223. [In duplicate]

A member who desires to nominate any person other than beneficiaries nominated for DSOP/AFPP fund, may do so, by executing AFGIS-223. Such nominations must indicate the names and details of all the persons eligible to receive the benefit in specific percentages. The sum total of the percentage of benefit must not exceeding 100%. If this nomination (Form-223) has been executed prior to self marriage, then the same would become invalid on self marriage unless revised after the date of marriage. In the event of invalid Form 223, the death benefits will disbursed as per valid DSOPF/AFPPF nomination. In the event of invalid nominations, the first beneficiary is wife/children of the deceased member and subsequently the other family members.

Note :

  • All dues outstanding against a member / beneficiary in the books of AFGIS / IAFBA would be recovered as a first charge.
  • Whenever there are more than one nominee, the specific percentage of share of the nominee should be mentioned against each.

In case where the beneficiary is minor, the death benefit payable will be invested in Indian Air Force Social Security Deposit (IAFSSD) Cumulative Scheme of AFGIS until the beneficiary becomes major or on submission of Guardianship certificate from court of law.

Documents

Following documents are required to be forwarded by the beneficiary / Unit for payment of death benefit:-

  • AFGIS 230 (Death Claim Form) [Single Copy] : To be filled up by beneficiary. (Available only from AFGIS ).
  • AFGIS 227 (Bank Confirmation) [ Single Copy] : To be verified by the Bank Manager (Available only from AFGIS). Beneficiary must have a single account (Not a Joint account).
  • Appendix "F" [Single Copy] : As per format given in IAP 3601 need to be forwarded by Unit to AFGIS at the earliest.

Note : Part II of the Death Claim (AFGIS 230) is to be attested by Magistrate / AOC / Stn Cdr of any Air Force Unit.

Disability Claims

Every member who is invalided out of service due to disability by an Invaliding Medical Board (not Release Medical Board held at the time of retirement) on account of disability, whether attributable to service or not, is provided disability benefit at half the life cover for 100% disability and for lesser disability in the same proportion subject to a minimum disability of 20%.

NOTE : A disability detected in a Release Medical Board does not entitle the person to disability benefit since the scheme is structured on the philosophy of compensating an individual on whom Release/Discharge is enforced by the service by means of an Invaliding Medical Board. Here the stress is on discharge being enforced on the person. It may be noted that the disability pension granted by the pension authorities has no bearing on the grant of disability benefit by AFGIS. In case an individual is offerred an alternative trade and refuses to accept it he would not be eligible for disability benefit. In view of the above the following are not eligible for disability benefit from AFGIS.

  • Personnel detected with disability in Release Medical Boards.
  • Personnel who refuse alternate employment (Remustering) on being detected with a disability.

Attributability

Attributability of disability to service is no consideration for payment of disability benefit. The main criteria is the degree of disability recommended by the Services Medical Board and invaliding out of service of a member, which must co-exist. However, the Society does not accept any liability for subsequent aggravation of disability.

Exceptions

Members invalided out of service for the causes given below are not entitled to any disability benefit irrespective of the percentage of disability :

  • Alcoholism.
  • Drug Addiction.
  • Self inflicted injuries.
  • Disability arising out of attempted suicide.
  • Any disability, arising out of intentional acts resulting in criminal conviction.
  • Invalided within one year of enrolment or on joining AF due to disability which is not attributable to service.
  • On refusal/ unwilling to accept/ remuster to other branch/ trade.

Disability Claim Forms

Following Forms need to be filled in order to avail disability benefit from the Society :

Final Withdrawal From Survival Benefit

  • Considering the increasing trend of the numbers of air warriors withdrawing their survival benefit balances which results on one hand in eroding of the funds available with AFGIS and, on; the; other, compromising the financial security of the air warriors and their beneficiary NoK, the Board of Trustees of AFGIS has  approved revision of certain provisions of the scheme. The details of the revision is given below:-
    • Final withdrawal will be admissible only once in the service career of the air warrior.
    • Final withdrawal from SB balance will be admissible only after the air warrior completes 15 years of actual service.
    • The max amount of final withdrawal will be restricted to 50% of the balance available.
    • Final withdrawal will be allowed only for purpose of defraying expenditure on higher education/marriage of a ward of the air warrior.
  • All other rules and provisions pertaining to the scheme will remain unchanged.
  • The revised policy will be effective from 01 Oct 15.

Loans From AFGIS House Building Loan HBL

Documents Required

AFGIS : HOUSE BUILDING LOAN (HBL) : RULES AND TERMS CONDITIONS

  • Application Form Cost
  • Loan Amount Admissible, No of Instalments and Rate of Interest applicable
  • IMPORTANT NOTE

    Before applying for HBL from AFGIS, applicants must read the policy governing grant of HBL given in IAP 3601 Appendix 'J' and the AFGIS website (afgis.iaf.in) and AFNET. Applicants are also advised to consult Unit Adjutant / SAO.

    Eligibility

    Category Officers Airmen NCs(E)
    A) HBL for self-construction of a house or for purchase of residential plot or for purchase of house/flat from a pvt builder or for purchase of an existing house or for repayment of house loan taken from bank/financial institution or for renovation /extension of an existing house/flat After confirmation of commission After completion of two years of actual service After completion of two years of actual service
    B) HBL for acquiring residential plot/ flat/house/from AFNHB /AWHO/IRWO or other housing boards or for purchase of residential plot from Central/State govt/ other civil authorities like DDA/BDA/JDA After confirmation of commission After completion of two years of actual service After completion of two years of actual service

    Quantum of loan

    Category of
    Member
    Purpose of HBL Max Amount Remarks
    Officers (PC/SSC) Airmen/ NCs (E) For purchase/construction of house/flat Rs 60 lakhs Amount of HBL sanctionable is subject to the repaying capacity of the applicant
    For extension/renovation of house/flat Rs 30 Lakh
    For Purchase of plot Rs 40 Lakh

    Rate of interest

    Category Upto 7 Lakhs(Amt in Rs) Above 60 Lakhs(Amt in Rs)
    Officers/Airmen 7.95% pa
    NCs(E) 7.6 % pa 7.95 % pa

    Note: 2nd & subsequent HBL and HBL for renovation/extension of house/flat etc : 8.35 %pa

    Repaying Capacity

    The quantum of HBL admissible to the applicant would depend on his/her repaying capacity which is determined by ascertaining that the total deductions (including the anticipated EMI towards the HBL that is now being applied for) in the applicant’s IRLA does not exceed 80% of the gross emoluments reflected in the latest monthly pay slip.

    Processing Fees

    Nil. (Processing Fee has been waived off wef 01 Oct 17)

    Loan Insurance

    • HBL availed from AFGIS has to be mandatorily insured by payment of necessary contribution (premium) by the loanee (refer chart for contribution)
    • Loan insurance is compulsory for all types of hbl.
    • The insurance cover to the loan is provided upto the last EMI (installment).
    • If the loan is disbursed in one lumpsum, then one time non-refundable contribution towards loan insurance will be recovered from loan amount.
    • In case the loan is disbursed in instalments then contribution will be recovered from the amount of Instalments.
    • In case an individual opts to repay the loan in higher number of installments, additional amount of contribution toward loan insurance will be recovered for enhanced period of repayment of loan.
    • In the event of death of loanee, the principal outstanding as on the first day of the month in which death occurs will be adjusted and no loan amount will be recovered from the death benefits payable to the nominee from AFGIS.
    • The year wise break down of one time non-refundable contribution for Rs.1,00,000/- of house loan is as follows :
    Term(Years) Amt of Contribution ₹ 8652/- (6,00,000/1,00,000) X 1442*
    Amount of Contribution (Per Lakh) (wef 01 Jan 2018)
    1 202
    2 389
    3 548
    4 683
    5 809
    6 926
    7 1035
    8 1137
    9 1239
    10 1345
    11 *1442
    12 1533
    13 1618
    14 1697
    15 1778
    16 1860
    17 1944
    18 2031
    19 2119
    20 2210
    21 2302
    22 2397
    23 2494
    24 2593
    25 2694

    Note 1 : One time non-refundable contribution will be calculated for amount in  multiples of lacs and the tenure (no of years) of the loan. Fraction of a year will be counted as one full year.

    EXAMPLE

    If an individual has been sanctioned a loan of Rs. 5.93 Lac in 125 instalments (i.e. 10 years 5 months), non refundable contribution will be charged for Rs. 6 Lac in 132 installments (i.e. 11 years)

    HBL sanctioned : Rs. 6 lacs

    Tenure of Repayment : 125 EMIs

    Calculation :

    Amount on which premium is calculated : Rs. 6 lacs
    Tenure of Repayment : 11 years ( 10 years 5 months)

    Amount of contribution :

    Rs. 8652/- (6,00,000/1,00,000) X 1442*

    Repayment of HBL

    The principal amount and interest is recoverable in max of 300 EMIs. The numbers of instalments are subject to the period of service left to recover the total instalments.

    Penal Rate Of Interest

    15% pa penal rate of interest is chargeable for non-submission of documents and non-compliance of stipulated policy & rules.

    Second/ Additional Loan from AFGIS

    Second and subsequent/additional HBL is permissible on second property concurrently without liquidating the previous HB loan outstanding, if any, subject to repaying capicity and NE benefits. Total loan sanctioned should not exceed maximum ceiling.

    HBL for Procurement of Modern Home Installations

    Documents Required PDF file that opens in new window. To know how to open PDF file refer Help section located at bottom of the site.(124 KB)

    Salient features

    Sr No Criteria Details
    1 Eligibity - Officers : After confirmation of commission.
    - Airmen/ NCs(E) : After completion of 2 years of service.
    2 Max Quantum of Loan Officers – Rs 10 Lakh
    Airmen – Rs 6 Lakh
    NCs (E) - Rs 3 Lakh
    3 Home Installations Covered Modular Kitchen
    Solar Heating Energy System
    Inbuilt Wardrobes
    Rain Water Harvesting System
    False Ceiling (wooden/plaster of paris etc)
    Security  and Safety Systems (like cctv/fire alarm/ iron grills etc)
    4 Rate of Interest 9% pa
    5 Repayment of Loan 120 EMIs (max)
    6 Processing Fees Nil. (Processing Fee has been waived off wef 01 Oct 17)

    Application form : Instructions

    • The application form is to be filled in single copy after ensuring eligibility of loan as per the rules stipulated in Chapter 10 (HBL) of IAP 3601.
    • Strike out words which are not applicable. No column is to be left blank. Incomplete application will be rejected summarily.
    • The application is required to be countersigned by AOC/Stn Cdr/CO/Principal Director (as applicable).
    • No page/ leaf of the application form is to be detached/ removed.
    • Agreement form attached with the application may also be filled in all respects and signed by the applicant at the bottom of the page duly witnessed by two persons/ air warriors of appropriate status.
    • Date and amount is not to be written in the Agreement form and Contingent Bill. (Based on Repaying capacity, the amount approved will be filled by AFGIS).
    • The following is to be attached with the loan application:- (a) Self attested printout of latest e-payslip. (b) Proforma Invoice. (c) Photocopy of registered Sale Deed/Gift Deed of the subject property duly (owned by the applicant or jointly owned with his/her spouse) certified as true copies by the SAo/ Adjutant.
    • Applicant is to clearly state his/her bank A/c No, IFSC code, name & branch of the bank in the Contingent Bill.
    • Application should be forwarded to AFGIS under a covering letter from the applicant's unit.
    • The address to which the cheque is to be sent by post is to be clearly mentioned in the application.
    • The loan shall be mandatorily insured. One-time non-refundable contribution will be recovered from the sanctioned amount of loan.

    EMI CHART @ 9%

    Amt/ Yrs 50,000/- 1 Lakh 1.5 Lakh 2 Lakh 3 Lakh 5 Lakh
    1 4373 8746 13118 17491 26236 43726
    2 2285 4569 6853 9137 13706 22843
    3 1590 3180 4770 6360 9540 15900
    4 1245 2489 3733 4978 7466 12443
    5 1038 2076 3114 4152 6228 10380

    One time non-refundable contribution towards insurance on HBL for purchase of modern home installations of ₹ 1,00,000/-

    Term (in years) Amount of Contribution (Per Lakh) (wef 01 Jan 2018)
    1 202
    2 389
    3 548
    4 683
    5 809

    Motor Conveyance Loan MCL

    Documents Required PDF file that opens in new window. To know how to open PDF file refer Help section located at bottom of the site.(4 MB)

    Salient aspects of the MCL policy

    Category Types Eligibilty Quantum of Loan Repayment
    No. of Installments
    Officers(incl SSC officers) (a) New Four wheeler Officers who have completed of at least six months of actual service from the date of their first appointment (incl post-commissioning trg assignment) after grant of PC/SSC. Rs 15 Lakh 180
    (b)Pre-owned four wheeler -do- Rs 6 Lakh 120
    (a) New Two Wheeler On commissioning (PC/SSC). Rs1,50,000/- 96
    Airmen
    (a )New  four wheeler SNCOs with pensionable service are eligible. Rs6 Lakh 180
    (b )Pre-owned four wheeler -do- Rs3 Lakh 120
    (a) New Two Wheeler SNCOs/Cpl & below with minimum two years of service. Rs75000/- 96
    NCs(E)
    New Two Wheeler With minimum two years of service are eligible. NCs(E) with 10 or more years of service Rs55,000/- NCs(E)with less than 10 years of service
    Rs35,000/-
    96

    Notes : Rate of interest - 9 % p.a

    Personal Computer Loan PCL

    Documents Required PDF file that opens in new window. To know how to open PDF file refer Help section located at bottom of the site.(50.2 KB)

    Eligibility

    Officers After completion of six months of service.
    Airmen After completion of two years of service
    NCs(E) After completion of two years of service

    Quantum of Loan

    Officers Rs Two Lakh
    Airmen Rs Two Lakh
    NCs(E) Rs Two Lakh

    List of Items - Loan admissible for purchase of computer (desktop/ laptop) and   necessary peripherals (monitor/ keyboard/ mouse/ speakers/ headphone/printer/multi functional device etc) and accessories (UPS, external HDD,OHP projector etc) and computer table.

    Rate of Interest – 9 % pa

    Processing Fees - Nil. (Processing Fee has been waived wef 01 Oct 17).

    Insurance of PCL - A one-time non-refundable contribution towards insurance of PCL will be recovered from the loanee from the PCL amount. The existing rate of non-refundable contribution towards insurance given below:-

    Tenure Of Loan
    (Years)
    Amount of Contribution (Per Lakh) (wef 01 Jan 2018)
    1 202
    2 389
    3 548
    4 683
    5 809
    6 926
    7 1035
    8 1137

    Repayment of loan - Maximum 96 installments.

    Discipline Cases - Not eligible if two or more (red ink) entries and five years have not lapsed from the last entry and/or disciplinary proceedings (SOE/GCM/DCM etc) are initiated/ in progress.

    Deputation

    Regular contribution to the scheme is imperative for the members to keep the insurance policy alive. Personnel who have availed long-term loans from AFGIS are required to ensure timely remittance of EMI (Equated Monthly Installment).

    Personnel who proceed on deputation posting abroad are required to pay their contribution and loan repayment installments directly to AFGIS as their IRLA are ceased to be maintained by AFCAO.

    Remittance is to be made well in advance so that the dues are to be realised by AFGIS on or before 7th of every month for which recovery is due. Default in timely remittance leads to lapse in cover of the insurance policy thus denying the benefit due to next of kin. In case of aircrew members, lapse of FPLI leads to inadmissibility of Flying Allowance

    Procedure for Direct Remittance by Member Personnel on Deputation/posting abroad eligible for direct remittance of AFGIS dues are to ensure the following :-

    • All remittance to be made by Bank Demand Draft payable at New Delhi in favour of AIR FORCE GROUP INSURANCE SOCIETY"
    • Cheques are not acceptable unless such cheques are against branches of Banks operating in (Local clearing cheques).
    • Members may issue standing instructions to the bank for monthly remittance to " AIR FORCE GROUP INSURANCE SOCIETY A/C No. 30043459007" State Bank of India, Subroto Park, New Delhi - 110 010.

    Ex Gratia Award to Aircrew Declared Medically Unfit Permanently for flying duties

    The Board of Trustees of AFGIS has approved revision of certain provisions of the above mentioned scheme. The details of the revision is given below :-

    Category Revised Amt of Ex-gratia Award Revised Period Remarks
    Aircrew Officers 10,000 pm For 36 months from the date of cessation of flying allowance or upto  the date of retirement / superannuation / discharge / invalidment, whichever is earlier. All other terms and conditions pertaining to the scheme remain unchanged.
    Aircrew Airmen 5,000 pm

    All other rules and provisions pertaining to the scheme will remain unchanged.

    The revised policy would be applicable to cases which arise on or after 01 Oct 15.

    Closure of AFGIS Scheme : Financial Assistance to Officers Hospitalized Beyond Six Months

    1. Consequent to implementation of Sixth Central Pay Commission’s recommendations, officers are entitled to full pay and allowance for the entire duration of hospitalisation if such hospitalisation was due to reasons attributable to service.  Thus, only cases of extended hospitalisation due to illness / causes not attributable to service remained to be covered under the ibid scheme of AFGIS.

    2. Considering the fact that during the past  period  of over 10 years,  no case had arisen and /or no request for financial assistance had been received at AFGIS, the Board of Trustees of AFGIS has decided in the BoT meeting held on 12 Aug 15 to discontinue and close the ibid scheme.

    Grant of subsidy to widows of air warriors who die in an accident while in service for procuring dwelling units

    The object of the scheme is to provide financial assistance to the widow of an Officer/Airmen/NCs(E) who dies in an accident while in service, subsidy is provided to the widow to procure dwelling units from any of the sources viz. AFNHB/ AWHO/ civil housing agencies including private builders and for self construction. The amount of grant is Rs. 6 lakh and Rs. 4 lakh for Officers and Airmen/NCs(E) respectively which is shared by AFGIS/ IAFBA/ AFWWA(c)/ CWF in the ratio of 60:20:10:10 respectively, revised wef 05 Aug 2013.

    Conditions for admissibility of Subsidy. The subsidy will be granted subject to the following conditions :

    • The subsidy will be payable to the widows of the AF personnel killed in accident while in service subject to the provision that the widow would occupy and live in the dwelling unit.
    • The widow of the deceased Officer/ Airman/ NC(E) should not be already owning a dwelling unit.
    • Acquisition of the dwelling unit will be applicable in the schemes of AFNHB/ AWHO/ Civil housing agencies including private builders and for self construction.
    • If an Officer/ Airman/ NC(E) had already purchased a dwelling unit and full payment had not been made, the scheme will cover such cases also.
    • The house can not be sold out or let out for 10 years after receipt of the subsidy amount and the widow will be required to give an undertaking to this effect in the prescribed forms.
    • Above mentioned conditions would also be binding upon legal heir(s) of the widow in case she demise before 10 years of the possession of the dwelling unit.
      • In case where the deceased Officer/ Airman/ NC(E) has availed House Building Loan (HBL) from AFGIS or any other scheduled bank/ any other housing finance agency and the HBL so availed was insured and as a consequence of such insurance the repayment of outstanding amount of HBL was exempted, then, in such circumstances, the payment of ibid subsidy is not admissible.
      • In case where the spouse of the deceased AFGIS member is a member of AFGIS/AGIF/NGIF, then spouse is ineligible for the subsidy.
      • The subsidy will also be extended to orphaned legitimate children and/ or dependent parents of deceased members also in case a widow did not exist/ had pre-deceased the member on the date of casualty, subject to their meeting all other eligibility conditions. These cases will be put up to BoT for approval on the basis of merits of each case.

    In order to safeguard against misuse of the subsidy scheme, the sale deed would be executed and registered in the joint names of the widow and AFGIS and original documents will be kept in the safe custody of the AFGIS. If the dwelling unit is sold before the completion of 10 years, the widow will have to refund the subsidy amount with interest @15 %. If the dwelling unit is not occupied by the widow, it will be taken back by AFGIS and amount spent by the widow would be returned to her.

    In case where the deceased Officer / Airman / NC(E) has availed the House Building Loan (HBL) from AFGIS or any other scheduled bank / any other housing finance agency and the HBL so availed was insured and as a consequence of such insurance the repayment of outstanding amount of HBL was exempted, then, in such circumstances, the payment of ibid subsidy is not admissible.

    Wef 01 Apr 16, the subsidy is provided for acquiring a dwelling unit to widows of an air warrior/NCs(E), who dies while in service which covers all cases of death, both accidental and non accidental. The subsidy in respect of widows of the officers is Rs 6 Lacs and in respect of the widows of airmen & NCs(E) is Rs 4 Lacs.

    Eligibility Conditions

    • The widow must apply for subsidy within five years from the date of demise of her husband.
    • The widow who is remarried as on the date of applying for this subsidy would not be eligible to receive the subsidy.
    • All other rules and provisions to the scheme will remain unchanged.

    Submission of Documents

    The widow of the airwarrior/NCs(E) would need to submit the following documents to AFGIS :-

    • Notarised affidavit containing undertaking to utilize the subsidy for acquiring a dwelling unit.
    • Self-attested copy of sale deed/completion certificate of dwelling unit.
    • Self-attested photocopy of the property’s insurance policy and that of its annual/biannual renewals for next five years.
    • Self-attested photograph of the property.

    Sharing of Subsidy

    • Accidental DeathThe subsidy would be shared by AFGIS, IAFBA, AFWWA(C) and the concerned Command Welfare Fund in the ratio of 6:2:1:1.
    • Non-accidental Death The subsidy would be shared by AFGIS, IAFBA and the concerned Command Welfare Fund in the ratio of 7:2:1.

    (Note : In case of an airwarrior of Air HQ, the IAFBA would contribute additionally to compensate for the share of Command Welfare Fund).

    The above stated revised policy would be applicable to cases which arise on or after 01 Apr 16

    Wef 01 Apr 16, the subsidy is provided for acquiring a dwelling unit to widows of an air warrior/NCs(E), who dies while in service which covers all cases of death, both accidental and non accidental. The subsidy in respect of widows of the officers is Rs 6 Lacs and in respect of the widows of airmen & NCs (E) is Rs 4 Lacs.

    Eligibility Conditions :

    • The widow must apply for subsidy within five years from the date of demise of her husband.
    • The widow who is remarried as on the date of applying for this subsidy would not be eligible to receive the subsidy.
    • All other rules and provisions to the scheme will remain unchanged.

    Submission of Documents :

    The widow of the airwarrior/NCs(E) would need to submit the following documents to AFGIS :-

    • Notarised affidavit containing undertaking to utilize the subsidy for acquiring a dwelling unit.
    • Self-attested copy of sale deed/completion certificate of dwelling unit.
    • Self-attested photocopy of the property’s insurance policy and that of its annual/biannual renewals for next five years.
    • Self-attested photograph of the property.

    Sharing of Subsidy

    • Accidental Death The  subsidy  would  be  shared  by  AFGIS, IAFBA, AFWWA(C) and the concerned Command Welfare Fund in the ratio of 6:2:1:1.
    • Non-accidental Death The subsidy would be shared by AFGIS, IAFBA and the concerned Command Welfare Fund in the ratio of 7:2:1.

    (Note : In case of an airwarrior of Air HQ, the IAFBA would contribute additionally to compensate for the share of Command Welfare Fund).
    The above stated revised policy would be applicable to cases which arise on or after 01 Apr 16