How can I file a life insurance claim?

To receive the death benefit of a life insurance policy, filing a claim is necessary.Here are some essential steps for filing a claim.

Filing a life insurance claim can be a painful task, especially if it is in the aftermath of the loss of a loved one. However, it is very important to have a clear idea about how the claim settlement procedure works and what you need to do.

In a life insurance policy, there can be two types of claims: maturity claim and death claim. Let us have a look at the steps involved in filing both the types of claims.

Maturity claim

As a policy holder, you are required to send the original policy bond as well as a filled-up maturity claim form to the insurance provider before the maturity date.On receipt of such a request, the insurance company will arrange for a post-dated cheque or transfer the amount to you through Electronic Clearing Service (ECS) on the maturity date.

Death claim

If you are a nominee of a life insurance policy, you need to carry out the following procedure to file a death claim:

In a life insurance policy, there can be two types of claims: maturity claim and death claim.

Step 1: Claim notification

As a nominee of the policy, you are required to communicate important details to the insurance company in writing. These details include:

  • Name of the policy holder and the nominee
  • Policy number
  • Date and cause of death
  • Place of death

You can also send these details to the insurance provider through a notification form available at any of its branch offices.

Step 2: Submitting the necessary documents

You will need to furnish the death certificate, postmortem report (if any), original policy documents, police FIR and other any other additional documents required by the insurance company as proof of death. You will also have to fill out a claim form issued by the company and send it along with these documents.

Step 3: Follow up and settlement

Once all the formalities are completed from your end, ask the insurance provider about the time period for settlement of the claim. As per IRDA Regulations 2002,the insurance provider must send across the claim amount within 30 days of receiving all the necessary documents. Keep contacting the company to receive timely updates related to the settlement process.


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