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Claims
How to make a claim?
We at Future Generali recognise the difficulties that one faces due to an unfortunate incident in the family and understand the importance of an early claim settlement during these times. We are committed to support you in the settlement process in a simple and hassle-free manner.
The Claims Process
Claim intimation
- Fill Claim form
- Attach Death Certificate / Medical certificate of death issued by Hospital and bank account details
- Submit at nearest branch
Claim Processing
- Our claim specialist will assess the claim.
- In case we require any further information we would call the claimant or intimate via SMS or letter.
Claim Decision
- On receipt of complete documents and verification findings (wherever applicable), we will make the final decision within 10 days and communicate the same to the claimant.
- To ensure speedy payout we transfer the claim proceeds through direct credit to the claimant's account.
Documents required for processing Claims.
List of documents required for Death Claims
- Death Certificate
- Medical Cause of death certificate
- Original Policy Document
- Original Cancelled cheque with printed name on it / photocopy of pass book or bank statement along with coloured image of the same
- Life Assured’s photo ID and date of birth proof
- Nominee’s photo ID and date of birth proof
- Relationship proof of the nominee
- Nominee’s Pan card
- Claim Forms
Additional documents required in case of Death in hospital
- Indoor Case Papers
- Discharge / Death summary
Additional documents required in case of Accidental/Suicide/Murder cases
- Post Mortem Report
- Chemical Viscera Report
- First Information Report by Police
- Final Investigation Report by Police
- Panchnama
- Newspaper cutting (if any)
- Driving License
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All the documents submitted to us should be in Original or photocopies duly attested by a Gazetted Officer/SEM / Magistrate or a person of local standing/ Sarpanch/ Talathi/ Tahsildar or Police Sub-Inspector or Branch Manager of our company
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All medical reports, documents and certification shall be issued by the attending physician and who is qualified to provide such document/certification according to Indian Laws
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In addition to the above documents the Company reserves the rights to ask for more documents/information as may be required in consideration of the claim.
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Notification of claim, submission of claim forms and/or claim documents to the Company shall not be construed as an admission of liabilities of the Company. No agent is authorized to admit any liabilities on behalf of the Company, or to alter this list of documents or any claim requirements called for by the Company.
Claims Review Committee
It is our endeavour to settle all genuine claims well within the regulatory framework. In case the claimant is not satisfied with the decision of the Company, they may approach our Claims Review Committee.
Independent Claims Review Committee is headed by Retired Justice of Mumbai High Court and senior representatives of Future Generali Life Insurance Management team.
Customer care number
1800 102 2355
Email us at
claims.support@futuregenerali.in
On receipt of the claim intimation, our officials will contact the claimant and facilitate the process of filling the claim form and also share information about all relevant documents required to be submitted for registering the claim.
Every life insurance policy document clearly states the 'Nominee/Beneficiary' in case of a claim. Based on the nature of the policy, the beneficiary can vary.
| Nature of the Policy | Beneficiary |
|---|---|
| On Own Life | Nominee or Appointee (in case of minor nominee) last recorded under the policy |
| Not On Own Life | Proposer |
| If Policy is Assigned | Assignee |
| Health Insurance | Life Assured |
In order to ensure that the claim settlement process is hassle-free, ensure that:
- You continue to pay the premium on time so that your policy does not lapse.
- Your address and contact details are always updated.
- Your family members are well-informed about the policy and its relevant documents.
- While filling the policy proposal forms, you mention the intended recipient as the nominee. In case of change in nominee, you can approach the nearest branch office.
| Type of Claim | Requirement |
|---|---|
| Death(all causes of death) | 1. Claim Forms • Part I : Application Form for Death Claim (Claimant’s Statement) • Part II : Physician’s Statement 2. Death certificate issued by a local government body like municipal corporation/village panchayat 3. Medical cause of death certificate issued by attending physician 4. Attested true copy of indoor case papers of the hospital(s) 5. Post mortem (autopsy report) & chemical viscera report – if performed 6. Advance discharge voucher from Group Administrator 7. KYC of claimant along with cancelled cheque (bearing the name of claimant) or passbook of claimant in case the payment is to be made in name of claimant. Declaration from master policy holder is also required on letter head of master policy holder |
| If death due to accident(submit in addition to the above) | 8. All police reports/first information & final investigation report 9. Proof of accident – panchnama/ inquest panchnama, etc. 10. Newspaper cutting/photographs of the accident – if available. |
Claim may be intimated by the Nominee named in the Policy or any Legal Heir/blood relative of the Life Assured. An agent of Future Generali India Life Insurance can also intimate the Company along with the necessary documentation. However, the agent can do so only after he has been authorized by the nominee or legal heir/blood relative of the Life Assured to do so.
Natural Calamity Claim Settlement Process
- + Claims settlement process - Assam and Gujarat Flood victims
- + Claims settlement process - Bihar Flood victims
- + Claims settlement process - Kerala & Karnataka Flood victims
- + Claims settlement process - Andhra Pardesh & Tamil Nadu Flood victims
- + Claims settlement process - West Bengal
- + Claims settlement process - Andhra Pardesh
- + Claims settlement process - Odisha
- + Claims settlement process - Maharashtra
- + Claims settlement process - West Bengal & Odisha Cyclone Amphan
- + Claims settlement process - Maharashtra & Gujarat Cyclone Nisarga
