I have lost my original LIC policy bond. I heard I can get a duplicate copy through the DigiLocker app. Is this true, and what is the process?
This is an important point of clarification: you cannot get a “duplicate” LIC bond issued through the DigiLocker app. The legal process for getting a duplicate bond for a lost policy is a formal, offline procedure. However, you can use DigiLocker to safely fetch and store a legally valid digital copy of your existing LIC policy document.
Understanding the Purpose of DigiLocker for LIC Policies
My friend thought he could generate a new, duplicate bond for his lost policy using DigiLocker. I had to explain that DigiLocker’s function is to fetch and pull an official electronic copy of a policy that is already present and active in LIC’s records. It is a digital storage and access facility; it does not have the authority to create a new legal ‘duplicate’ for a document that has been declared lost.
The Process to Fetch and Save Your Policy in DigiLocker
I showed my aunt how to get a digital copy of her active policy into her DigiLocker. She logged into her DigiLocker account, searched for ‘Life Insurance Corporation of India’ in the list of issuers, and then selected the ‘Policy Document’ option. The system then asked her to enter her policy number and date of birth exactly as they appear on the document.
The Final Step: Verification and Accessing Your Document
After she entered her policy details and gave her consent, the DigiLocker system securely communicated with LIC’s database. It verified her as the policyholder and then fetched the official digital policy document into her ‘Issued Documents’ section within DigiLocker. She can now access this legally valid copy anytime from her phone.
What to Do If You Have Actually Lost Your Bond
Since my friend had truly lost his original policy bond, the DigiLocker method was not the solution. I explained that his only option is to follow the official offline process. This involves visiting his LIC home branch and submitting a formal application along with a legal document called an Indemnity Bond on stamp paper to have a duplicate policy issued.
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