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Claim Process

Inform the insurer
To start the process of claim, the nominee needs to inform the insurance company at the earliest.
Submit Your Claim
The nominee can avail the claim form either from the nearest branch of the insurance company or can download it from the insurance company’s website. The nominee can either fill the physical form and submit along with the required original documents or fill the form online and file the claim.
Submit the Required Documents
The following information should be kept handy for the processing of claim:

a. Name of the policyholder

b. Policy number

c. Date of birth of the insured

d. Place of death

e. Cause of death

Required Documents Checklist

Here’s a list of documents you may need to submit the insurer to make a claim. You may or may not need all of them based on your situation.

Death certificate Issued by Local Authorities
Original policy documents
Nominee ID and residence proof
Insured age proof
Discharge form (executed and witnessed)
Medical certificate as proof of time & cause of death
Police FIR for unnatural death
Copy of post-mortem report for unnatural death
Hospital records/certificate for death due to illnesses
Cremation certificate
Employer certificate, if any

Settlement of Claim

As per the Insurance Regulatory and Development Authority (IRDA) of India, the insurance companies are required to settle the claim within 30 days from the date the nominee submits the claim form along with all the required documents. In case if the claim is accepted, the payment is made to the nominee and in case it is rejected, the same is required to be communicated to the claimant stating the reasons. Wherein, if the claim requires further investigation, the insurer is obligated to complete the process within 6 months from receiving the written intimation of the claim.