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Claims FAQs

Claims FAQs

  • Who is entitled to receive the claim benefit?

    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 PolicyBeneficiary
    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
  • How can I ensure that my family receives seamless claims service?

    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.
  • What are the documents I need to register for an Individual claim?
    Type of ClaimRequirement
    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.
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