Life Insurance: Claim process

A claim is the moment of truth for any policy. Knowing the process in advance makes it far less stressful.

1. Intimate the insurer. Inform the insurer or us as soon as possible, ideally within the time stated in the policy.
2. Submit the claim form. Nominee submits the claim form with original policy and documents.
3. Provide supporting documents. Death certificate, identity proofs, medical records and, for unnatural death, FIR and post-mortem.
4. Insurer reviews the claim. For early claims within three years, insurers may investigate more carefully.
5. Decision and payout. Approved claims are paid to the nominee’s bank account, with interest for any delay beyond the regulated period.
6. If rejected. Ask for the reason in writing and escalate to the grievance officer and then the Insurance Ombudsman.