Aviva India term insurance review
Aviva Life Insurance India settles 99.0% of the death claims it decides but draws 93.67 complaints per 10,000 claims (IRDAI data, three-year average to March 2026), about 70 times HDFC Life's rate and among the five highest of the life insurers we track. We have not reviewed its term plans from their documents.
Written by Shadab SayeedReviewed by Kshitij JainUpdated nyvo insurance Services LLP, IRDAI Corporate Agent (Composite) CA1085Salaried advisors, no commission-based ranking
IRDAI published data, weighted over three financial years. Last checked . Compare every life insurer · Aviva India claim settlement ratio
Aviva India at a glance
| Death claims settled | 99.0%, ranked joint 11th of 22 life insurers |
|---|---|
| Complaints per 10,000 claims | 93.67, ranked 17th of 21 (fewer is better) |
| Term plans we have read | None yet |
| Death claim deadline | 15 days from intimation, or 45 days if the insurer investigates (IRDAI, 5 September 2024) |
| Full name | Aviva Life Insurance Company India Limited |
If Aviva India is on your shortlist, ask one of our advisors to set it beside the alternatives. They are paid a salary, not per policy.
Why the settlement ratio tells you less here
A death claim is a binary event with a fixed sum, so life insurers settle almost all of them and their ratios cluster tightly while complaint volume across the market spans roughly 136 times. A two-point difference in settlement ratio is close to noise. What actually decides your family’s claim is what you disclosed when you bought, whether the policy was in force on the day, and whether the claim falls inside the first three years – the window in which Section 45 of the Insurance Act still lets the insurer contest on non-disclosure.
Is Aviva Life Insurance good?
It pays claims, but the experience around them is poor on the figures we hold. 99.0% of death claims settled is in line with the market. 93.67 complaints per 10,000 claims is not: that is about 70 times HDFC Life's 1.33 and roughly 30 times Tata AIA's 3.0 (IRDAI data, 2022-25).
For a new term policy, we would start with an insurer whose complaint rate is in single figures.
I already hold an Aviva policy. What should I do?
Keep paying it. On a regular-pay term plan, stopping usually returns nothing, and replacing the cover means fresh medicals at an older age. Make sure your nominee knows the policy exists and where to find the claim route below. If you need more cover, add a second policy from another insurer rather than giving this one up.
Filing a Aviva India death claim
IRDAI requires a death claim to be settled within 15 days of intimation, or 45 days of intimation where the insurer orders an investigation (Master Circular on Protection of Policyholders’ Interests, 5 September 2024). Those are deadlines your nominee can quote, not guidelines.
Servicing your Aviva India policy
If you already hold a Aviva India policy, these are its official servicing routes. The numbers and links are Aviva India’s own, current as of our last check. The single most important thing is that your nominee knows the policy exists and where to find these details – a term claim can only be made by someone who does.
Aviva India customer care number
Pay your Aviva India premium
Aviva India premium payment →Aviva India claim status
File or track on Aviva India →Aviva India questions, answered
What is the Aviva India claim settlement ratio?
99.0%, as a weighted average of the last three financial years from IRDAI published data, ranking Aviva Life joint 11th of 22 life insurers. Read it knowing that life settlement ratios cluster above 96% and separate almost nobody, while complaint volume across life insurers spans roughly 136 times.
How does a nominee file a Aviva India death claim?
Intimate the insurer with the policy number and date of death, then submit the death certificate, the policy document, the nominee's ID and bank details, and the claim form. IRDAI requires the insurer to settle within 15 days of intimation, or 45 days of intimation where it orders an investigation (Master Circular on Protection of Policyholders' Interests, 5 September 2024). Our Aviva India death claim guide sets out the full document set and the escalation path.
Is a high claim settlement ratio enough to choose Aviva India?
No, and on the life side less than most buyers assume. Life settlement ratios sit within a few points of each other because a death claim is a binary event with a fixed sum. What decides your family's claim is disclosure at the time of buying, whether the policy was in force, and whether it fell inside the first three years, when Section 45 still allows the insurer to contest on non-disclosure.
Where can I read the Aviva India policy wording?
We have not yet published plan-by-plan breakdowns for Aviva Life. The death claim guide below covers how its claims actually run, and our advisors read the wording of any plan you are considering before recommending it.
What is the Aviva India customer care number?
Aviva India's customer care line is 1800-103-7766, and its website is https://www.avivaindia.com/. Claims can be emailed to customerservices@avivaindia.com. For a term policy the number that matters most is the one your nominee calls to intimate a claim, so keep it with the policy document.
How do I pay my Aviva India premium online?
Pay on Aviva India's official premium-payment portal (linked above under "Managing your Aviva India policy") using your policy number. A term policy lapses if a premium is missed beyond its grace period, and reviving it can need fresh medical underwriting, so the payment date matters more than for most bills.
How does my nominee check a Aviva India claim online?
Intimate and track a Aviva India claim on its online portal (linked above), or call 1800-103-7766. IRDAI requires a death claim to be settled within 15 days of intimation, or 45 days of intimation where an investigation is ordered (Master Circular on Protection of Policyholders' Interests, 5 September 2024).
The ratio will not decide your family’s claim. Disclosure will.
We read the wording before recommending a term plan, and we help the nominee when the claim comes. If you are weighing Aviva India against another insurer, talk it through first.
Talk to an advisor →Sources
- IRDAI annual reports, the published source of insurer death-claim data · read 24 Oct 2026
- Aviva Life Insurance India website · read 24 Oct 2026
nyvo is an IRDAI-registered corporate agent (composite), licence CA1085. Figures are from IRDAI published disclosures, reproduced without adjustment, and describe the insurer rather than any individual policy.