SCAM or Legit!!! From IRDAI

Need help pls!!! Pls read below!!!

My family had received call from persons who claims to be from IRDAI. My father has 5 insurances available in bajaj,hdfc life etc which are lapsed, the person from IRDAI told they got the detail from the insurance companies.

They are telling that can able to help on cancel/claiming all the insurances by issuing LOC(something called as letter of credit). They told around 85k amount will be charged and they are requesting the same to pay online. They are not proving any offline details, not allowing to visit in-person, just they are asking this amount to be paid not even lesser than this. They are telling this amount is based on the share market level , and it will vary based on market.

Once we say okay they told will be pr

Does IRDAI contacts the customers directly for helping of claiming/cancelling our insurances by default???. Is this legit or a SCAM???