How Linking Helps You (and Your Family) in Real Life?
Digitally linking your life insurance policy to DigiLocker isn’t just about convenience - it can be a lifeline when time, accuracy, and quick access matter the most. Let’s look at a few real-life scenarios where this simple digital step can make all the difference:
Scenario 1: Emergency Hospitalisation
Imagine a situation where a loved one has to be rushed to the hospital, and you’re not in a position to handle the paperwork. If your life insurance policy includes a health rider or critical illness benefit, it could offer much-needed financial relief.
But here’s the catch: time is critical, and fumbling through old files or emails for the policy document can delay the claim process. When your policy is stored in DigiLocker, your family can instantly retrieve it using their phone or computer. The document is verified, accessible, and ready to share with the insurer or hospital without any stress or confusion.
This speeds up the claim process and eases the emotional burden during an already tense situation.
Scenario 2: Loan or Visa Application
If you’ve ever applied for a home loan, personal loan, or even a visa, you know how important it is to show financial stability. A life insurance policy often proves your long-term financial planning, asset base, and creditworthiness.
Instead of scanning and printing copies of your policy or requesting reissues from the insurer, you can simply fetch the document from DigiLocker and share a verified, government-recognised copy instantly. It shows financial institutions or consulates that you’re organised, well-prepared, and transparent.
This small move can streamline your application, eliminate back-and-forth document requests, and even improve your chances of approval.
Scenario 3: End-of-Life Planning
No one wants to discuss this topic, but planning for the unexpected is a sign of true responsibility. If you were to pass away suddenly, the last thing your family should have to worry about is whether you had a policy or how to claim it.
Sadly, many life insurance benefits go unclaimed simply because families aren’t aware of the policies or cannot find them in time. By storing your life insurance policy in DigiLocker, you ensure that your loved ones know exactly where to look and that the document is authentic and ready to use.
It becomes a digital breadcrumb that leads your family to financial support, faster claims, and less paperwork, all at a time when emotional strength is already being tested.
