Death Claim - Documents Required for Death Claim

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  CLAIM FORMS

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Death Claim is a formal request made by the nominee* in a life insurance policy to the life insurance company. This request is made for the payment** of the Life Cover amount in case of the unfortunate event of death of the Life Assured*.

Following are the list of documents you will require to raise a Death Claim:

For all other policies the nominee can inform about a claim by submitting the following documents

Mandatory documents required for claim registration:

Duly filled and signed Claimant Statement Form
Recent photograph of the claimant
Copy of Death Certificate of the Life Assured, issued by government authority
Claimant photo identity proof
Claimant address proof(Any one of the following: Aadhar Card, Valid Passport or Driver's License, Voters ID are considered as proofs)
Pan card / Form 60 of the claimant
Copy of cancelled cheque / bank statement / bank passbook with printed account number and name of the claimant^**
Duly filled and signed Payout mandate form with bank account details of the claimant

^**As per the regulatory requirement, all payouts under an insurance policy are required to be processed electronically in the bank account of the policyholder / nominee / assignee as applicable.

Depending on the cause of death, below mentioned Mandatory documents will be required for the purpose of claim assessment and decisioning.

The claim intimation will be considered once all mandatory documents stated below and claimant statement forms are received.

MANDATORY DOCUMENTS REQIURED BASED ON CAUSE OF DEATH
Death at Home or hospital (Death due to natural / medical reasons)	In case of death due to Unnatural causes such as Accidents (Road / Rail / Air etc), Murder, Suicide, etc.,)
Medico-legal / Medical cause of death certificate Past medical records and treatment papers All hospitalization records of the Life Assured such as: Admission form Indoor Case Papers (ICPs) Discharge summary Diagnostic test reports such as USG, Pathology / Lab reports etc., Duly filled in Treating Doctor Certificate Duly filled in Medical/ Hospital Attendant Certificate. Download Duly filled in Employer Certificate (only if Life Assured was a salaried individual). Download	Medico-legal / Medical cause of death certificate First Information Report (FIR) from the police authority Inquest/ Panchnama Report Final police investigation report Postmortem Report (PMR) issued by the hospital Viscera / Chemical examination report Newspaper Cutting, if any Driving License (of the Life Assured driving the vehicle in case of death due to a road accident) Hospitalization / treatment records if any Duly filled in Medical/ Hospital Attendant Certificate. Download Duly filled in Employer Certificate (only if Life Assured was a salaried individual). Download
In the event of death of the Nominee/ Proposer under the policy, Legal Heir of the Nominee/ Proposer/ Life Assured as the case maybe, shall submit a claim by providing any one of the following additional mandatory documents: Nominee’s Death Certificate along with Succession Certificate, OR “Will” of the Life Assured or the Nominee, OR Notarised Indemnity along with Affidavit of Rs 600/- (other than state of Maharashtra. For Maharashtra, affidavit of Rs. 1,000/- shall be required) and Family Tree Certificate/ Legal Heirship Certificate from the current claimant along with No Objection Certificate from the remaining Legal Heirs, OR Final Court order, if any

MANDATORY DOCUMENTS REQIURED BASED ON CAUSE OF DEATH

Death at Home or hospital
(Death due to natural / medical reasons)

In case of death due to Unnatural causes such as Accidents (Road / Rail / Air etc), Murder, Suicide, etc.,)

Medico-legal / Medical cause of death certificate
Past medical records and treatment papers
All hospitalization records of the Life Assured such as:
- Admission form
- Indoor Case Papers (ICPs)
- Discharge summary
Diagnostic test reports such as USG, Pathology / Lab reports etc.,
Duly filled in Treating Doctor Certificate
Duly filled in Medical/ Hospital Attendant Certificate. Download
Duly filled in Employer Certificate (only if Life Assured was a salaried individual). Download

Medico-legal / Medical cause of death certificate
First Information Report (FIR) from the police authority
Inquest/ Panchnama Report
Final police investigation report
Postmortem Report (PMR) issued by the hospital
Viscera / Chemical examination report
Newspaper Cutting, if any
Driving License (of the Life Assured driving the vehicle in case of death due to a road accident)
Hospitalization / treatment records if any
Duly filled in Medical/ Hospital Attendant Certificate. Download
Duly filled in Employer Certificate (only if Life Assured was a salaried individual). Download

In the event of death of the Nominee/ Proposer under the policy, Legal Heir of the Nominee/ Proposer/ Life Assured as the case maybe, shall submit a claim by providing any one of the following additional mandatory documents:

Nominee’s Death Certificate along with Succession Certificate, OR
“Will” of the Life Assured or the Nominee, OR
Notarised Indemnity along with Affidavit of Rs 600/- (other than state of Maharashtra. For Maharashtra, affidavit of Rs. 1,000/- shall be required) and Family Tree Certificate/ Legal Heirship Certificate from the current claimant along with No Objection Certificate from the remaining Legal Heirs, OR
Final Court order, if any

Check Claim Settlement Ratio

*A nominee is the person appointed by the Life Assured at the time of purchase for receiving the benefits of the life insurance policy in case of an unfortunate event. Life Assured is the person who is covered under a life insurance policy.

**The payment decision would be made post scrutiny of claim documents submitted by the nominee.

COMP/DOC/May/2021/265/5899

^{^} COMP/DOC/May/2021/55/5712