Kerala SLI — Complete Scheme Guide

Yes. SLI is compulsory for all regular Kerala State Government employees under 50 years of age at the time of joining. Employees must enroll within one month of joining service. Aided school and college employees, and certain PSU workers, are also covered under the scheme as per GO(P) No.25/2004/Fin.

Your SLI policy will lapse after 6 consecutive months of non-payment. A lapsed policy does not provide any life cover — the death benefit will not be paid. To revive it, you must pay all outstanding premiums along with applicable interest in one lump sum. Revive the policy at the earliest to restore full coverage.

Yes. After completing a minimum of 3 years of continuous premium payments, you are eligible for a loan against your SLI policy. The loan is repayable in a maximum of 36 monthly installments. You can also take a second loan before fully repaying the first — the outstanding balance is simply added to the new loan amount.

Yes. SLI premium is due even when you are on Leave Without Allowance. Since your salary is stopped, the premium is not auto-deducted. When you return to duty, you must pay all arrear premiums along with interest. Failing to do so can cause your policy to lapse.

The SLI policy matures when the employee retires on superannuation — at age 56 for most Kerala government employees, or at age 60 for certain categories such as teachers, doctors, and other notified posts. At maturity, the employee receives the Sum Assured plus all accumulated annual bonus. After submitting the Claim Form with required documents, the amount is credited directly to the bank account.

Yes. Employees can hold multiple SLI policies for greater coverage. Under the old slab system, when your basic pay crosses into a higher slab, you are required to take an additional policy within 2 years — unless you are already 50 or older at the time of crossing.

If no nomination is registered, the SLI benefit on death can still be claimed by the legal heirs. As per GO(P) No.140/2021/Fin, the legal heirs must submit a Legal Heirship Certificate along with Indemnity Bond – Form 2 (signed by all heirs) at the District Insurance Office.

Pay a ₹10 application fee at the District Insurance Office or via e-Treasury (account head: 8011-105-99). Submit Indemnity Bond – Form 1 on ₹500 stamp paper (for living insured) or Form 2 if the insured has died. The duplicate certificate will be sent to your office address.

Yes. SLI premium paid by Kerala Government employees qualifies for deduction under Section 80C of the Income Tax Act, within the overall ₹1,50,000 annual limit. Include your annual SLI premium in your 80C deductions when filing the IT declaration with your DDO.

You can view your SLI premium history, policy details, and accumulated bonus on the VISWAS portal at stateinsurance.kerala.gov.in. Your SPARK account also shows SLI deduction history. For a detailed statement, contact your District Insurance Office or the State Insurance Department, Thiruvananthapuram.