If no spouse or child exists, the amount goes to the legal heir as per succession law. However, monthly assistance is paid only to a dependent family member (spouse/minor children).
LIC EFAP allows attaching the following riders (additional premium):
Riders are subject to conditions and increase the total premium.
EFAP stands for Employees’ Family Assistance Plan. It is a social security scheme introduced by LIC to provide financial assistance to the family of an employee who dies while in active service (before retirement).
It is not a separate life insurance policy that you buy. Instead, it is an employer-funded welfare scheme. The money for EFAP comes from contributions made by LIC as an organization, not from employee salaries. lic efap
Key point: EFAP applies only to death while in service. It does not apply after retirement or resignation.
Subject: Important Information About Your LIC EFAP Health Coverage
Dear Team,
We are pleased to remind/update you about the LIC Employee Facility Assurance Policy (EFAP) , our group health insurance plan designed to provide financial protection for you and your family. If no spouse or child exists, the amount
Key Highlights of LIC EFAP:
How to File a Claim:
Need Help? Contact our HR/Admin team or LIC’s EFAP helpline: (Insert number).
Stay healthy, stay covered!
Best regards, (HR Team)
LIC EFAP (Table 914) is ideal for:
Not recommended for:
Pro tip: Keep multiple copies of all documents. Follow up with the HR/Admin department every 2 weeks. Riders are subject to conditions and increase the
If you are a nominee or family member of a deceased LIC employee, follow these steps: