A Life Insurance claim can be filed by following the below-mentioned steps:
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Step 1: Claim Intimation
On the death of the life insured, the nominee must reach out to the insurance company as soon as possible.
InsuranceDekho Benefit: Help the nominee or the family initiate the claim process.
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Step 2: Submission of Documents
The nominee must submit important documents like claim form, original policy document, death certificate and others.
InsuranceDekho Benefit: Help the nominee or the family navigate through complicated documents, emails, forms, queries, etc.
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Step 3: Claim Evaluation
Once the required documents are submitted, the insurance company will perform thorough evaluation of the claim filed.
InsuranceDekho Benefit: Help the nominee or family stay informed at every stage of the claim process as we work closely with insurance companies.
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Step 4: Claim Settlement
On successful approval of the claim request, claims will be settled.
InsuranceDekho Benefit: Help in getting the claim settled in a smooth, fast and hassle-free way.
Note: If no one is nominated by the life insured or the nominee does not exist, the claim would be payable to the next legal heir with legal evidence of the title. A succession certificate might also be required to claim the same. Documents required shall be as prescribed by the Insurance Company.
Note: If the claim is approved, it could be settled in 30 days. In case an additional investigation is required, it may take up to 120 days (life insurance) or 6 months (term insurance).
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Note: You need to submit the relevant documents within 30 days after getting discharged from the hospital.