For Quick Alerts
For Daily Alerts

    Securing a hassle-free insurance claim

    Securing a hassle-free insurance claim
    Intro: Lodging your claim within the correct time period and supporting it with all factual information and requisite documents will ensure the claim is settled promptly.

    For many, premiums payable on an insurance policy that does not have any savings component (i.e. when no benefits accrue on maturity) may seem an unnecessary expense. However, many a times it is the only antidote against the uncertainties of life since it provides immediate financial help. Indicated below are simple tips that will enable you to receive the policy benefits, on maturity or death, from your insurance company, in a hassle-free manner...

    In case of no previous knowledge of filing a claim, take the help of the insurance agent from who the policy was purchased before filing the claim form(s). Alternately, the insurance company can too be contacted and assistance can be taken from its office bearers. File the insurance claim within the time period specified in the policy document. Any delay may result in the rejection of the claim. In case of the unfortunate death of the life insured, certain original/certified copies should mandatorily be enclosed with the claim form. These include:

    * Original policy bond
    * Original/certified copy of the death certificate issued by the municipal authorities.
    * Doctor's certificate who attended the life insured at his/her last moment.
    * Other medical/hospitalization records.
    * Burial/Cremation certificate issued by the funeral authorities.
    *In case of death due to unnatural causes, duly certified police, postmortem and inquest reports.
    Identity proof of the the beneficiary.
    * Remember, that the insurance protection is available only when the premium is paid regularly. Hence, ensure regular premium payment, which is the most essential condition for the settlement of the claim in your favor.

    Ensure that only factual information is provided. Any wrong or ambiguous information may lead to a rejection.


    For claiming rider benefits such as an accident or critical illness benefit, you need to submit admission records to the healthcare facility, subsequent test reports, medical reports and a discharge summary.

    Co-operate positively with the life insurance company which would like to investigate the claim before sanctioning the amount. This will ensure a speedy disposal of your case. If you have any grievance with regards to the amount claimed/settled, you can approach the Insurance Ombudsman, a governing body set up by the government for the quick disposal of the grievances of the insured and to reduce their problems involved in redressal of those grievances.

    Ensure a hassle free claim

    Understanding the claims process in totality
    File the claim within the defined time-period
    Ensure there are no outstanding premiums
    Provide all factual information
    Submit all required documents
    Co-operate with the life insurance company

    Sponsored by
    IndiaFirst Life Insurance

    Read more about: insurance insurance claim
    Company Search
    Enter the first few characters of the company's name or the NSE symbol or BSE code and click 'Go'

    Find IFSC

    We use cookies to ensure that we give you the best experience on our website. This includes cookies from third party social media websites and ad networks. Such third party cookies may track your use on Goodreturns sites for better rendering. Our partners use cookies to ensure we show you advertising that is relevant to you. If you continue without changing your settings, we'll assume that you are happy to receive all cookies on Goodreturns website. However, you can change your cookie settings at any time. Learn more