Army Group Insurance Scheme

Overview

The 2023 handbook describes Army Group Insurance as a departmental scheme with mandatory advance subscription for eligible Army officers. It summarises life cover, maturity or terminal benefits, disability and extended cover, and special cover. Territorial Army and NCC categories have separate arrangements, and all rates and terms require current AGIF verification.

What the handbook says

• The scheme was introduced from 1 January 1976 and is run by the Army Group Insurance Directorate; mandatory subscription is recovered in advance by PCDA(O) (source: printed p. 259; PDF p. 270).
• The source describes insurance, maturity or terminal, disability, extended, and specified special-cover objectives (source: printed p. 259; PDF p. 270).
• General life assurance ends on retirement, release, or cessation of membership, subject to separate extended cover (source: printed p. 261; PDF p. 272).

What this means

The correct scheme depends on service and membership status. Figures shown for Territorial Army or NCC arrangements must not be applied to Regular Army officers.

Who this applies to

• The source includes serving Regular, MNS, Short Service and other specified commissioned officers, re-employed officers, DSC personnel, and eligible cadets (source: printed pp. 259-260; PDF pp. 270-271).
• It excludes reservists, personnel on deputation to the Army, deserters, foreign cadets, and categories covered by separate TA or NCC schemes (source: printed p. 260; PDF p. 271).
• Transferred medical officers remain in their original service group scheme and must remit subscription as prescribed (source: printed p. 260; PDF p. 271).

Rates and dates

The chapter records a Territorial Army Group Insurance annual premium of Rs. 48,000 and insurance benefit of Rs. 50 lakh from 1 April 2021. These figures apply only to that specified TA scheme and are not a Regular Army rate (source: printed p. 262; PDF p. 273). Current subscriptions and cover must be obtained from AGIF.

What you may need

The source says the prescribed retirement claim should be sent through PCDA(O) to AGI Directorate six months before retirement or release. It also records recovery of the final four months' premium in advance (source: printed p. 261; PDF p. 272). Other claims and AGIF loans follow their separate forms and sanctions.

Authorities and source references

• AO 23/2002
• SAO 5/S/78
• SAO 11/S/86
• AGIF letter No. A/56271/R/AG/Ins(Coord), 3 September 2020

About this guidance

This is a plain-language summary for general information. It is not an official order or an authority for a claim. Confirm the applicable order and your individual eligibility with the competent authority or PCDA(O) before acting.