KSID

1. For Employees – State Life Insurance (SLI), Group Insurance Scheme (GIS), and Jeevanraksha (formerly known as GPAIS)
2. For Institutions – All types of General Insurance (Fire, Motor, Marine and other General Insurance Products)
3. Special Schemes – Oruma (for Kudumbashree members), Gosamrudhi (for dairy farmers) etc

The State Life Insurance (SLI) policy is an endowment plan that combines savings with insurance coverage. It offers high Sum Assured, attractive bonuses, and a Government guarantee.

All employees of Government, Semi-Government, Public Sector, University, and Unaided School institutions are eligible to enroll.

Pay the first premium at the District Insurance Office (cash/DD) or at any Treasury (cash/e-Treasury), then submit the DDO-certified SLI proposal form along with the original challan at the District Insurance Office.

Head of Account for Treasury payment: 8011-105-99

A 30-day grace period is available. After the grace period, the outstanding premium along with a penalty must be paid at any District Insurance Office.

Note: If premiums are not paid for 6 consecutive months, the policy will be lapsed.

To revive a lapsed policy, submit an application along with copies of the updated passbook and policy certificate at the District Office. If Leave Without Allowance (LWA) was taken, also attach copies of the government order granting the leave and the rejoining order.

Yes. A minimum of 36 months of continuous premium payment is required to be eligible for a loan.

• Loan Amount: Up to 90% of the Surrender Value.
• Repayment: In installments over 6 to 36 months, either through salary deduction or directly at the District Insurance Office.
• Interest Rate: 9% per annum.

No Loans are not available under the GIS scheme.

Lost SLI Policy Certificate: Submit an application with an Indemnity Bond typed on a ₹500 stamp paper, along with a ₹15 fee — either by submitting the original challan if paid at any Treasury, or by paying directly at the District Insurance Office from where your policy was issued— to receive the duplicate certificate.

Lost Passbook (SLI or GIS): Submit an application along with a fee of ₹15 (SLI) or ₹25 (GIS) — either by submitting the original challan if paid at any Treasury, or by paying directly at the District Insurance Office from where your passbooks were issued— to receive a duplicate passbook.