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Documents Required for Death Claim: All You Need to Know

 

Nowadays, it is very convenient to get life insurance policies. However, the numbers are still low when you consider the purchase of life insurance policies overall. According to the economic survey, only 3 in 100 people have some form of life insurance in India. Part of this is attributable to the lack of knowledge of the life insurance benefits, and the other is due to misconceptions about the death claim process being hard and time-consuming. 
 

However, over the last decade, making death insurance claims or claiming life insurance has become easier due to the shift towards digital mediums. Earlier, it took effort and time to carry out the claim process offline, but now you can even get an insurance policy online and make a death insurance claim online. What remains common are the documents required to make a life insurance claim. 
 

Read on to know the insurance claim documents and how to carry out the death claim process online.
 

 

What are the Documents Required for a Death Claim?
 

 


The documents required for a death claim vary from insurer to insurer. They majorly depend upon the cause of death. The death insurance claim procedure varies for natural deaths, accidental deaths, and death due to natural/ unforeseen calamities, among other scenarios. However, here is a general idea of what documents you will need:
 

  • Death claim form
     

    The first document you need is the insurance company’s death claim form duly filled out by the nominee or beneficiary. If you are the buyer of the insurance policy, your chosen family members (nominees/ beneficiaries) will have to fill out the form and complete the death insurance claim process.
     

  • Death certificate
     

    You need to submit a death certificate that contains all the relevant details regarding the policyholder’s death, including the time, place, cause, and date. The death certificate should be from a registered government authority like the municipal corporation or a registrar.
     

  • Identify proof of the claimant
     

    When you are claiming as a beneficiary, the insurance provider might ask for relevant identity proof to verify your identity. You will have to submit either or all of these – passport, PAN card, voter ID card, driving license, Aadhar card, employment letter, photos, and other ID requested by the insurer.
     

  • Address proof of the claimant
     

    As part of the death claim process, you might also have to submit the necessary proof of your residence. These include documents like your Aadhar card, passport, or any of the utility bills carrying the address of the beneficiary.
     

  • Medical records
     

    If the cause of death was an illness that required hospitalisation, the insurer might ask you for medical records that prove the insured was under hospitalisation. These include documents like pathological test reports, diagnosis report, indoor case papers, discharge papers,  death summary(only if death was in the hospital), and others, as requested by the insurer.
     

  • Cause of death certificate
     

    In cases of death at home, cause of death certificate from the last attending physician is required.
     

    In case of death due to accident or unnatural deathpost-mortem or autopsy report is needed to get clarity on the cause of the demise. In some cases, they might need the first information report (FIR) and charge sheet for further assessment.
     

  • Proof of legal title
     

    In the scenario, there is no appointed beneficiary; or the beneficiary itself has passed, and there is no existing one, the person making the death claim has to procure a legal title or legal succession certificate.
     

  • Life insurance policy details
     

    Last but not least - the insurer will ask to see the life insurance policy details to confirm the sum assured amount under the insurance policy and verify other terms and conditions.

     

What is the Death Claim Process?
 

The death claim process varies from insurer to insurer, but over the years, it has been simplified to make the entire claim process a hassle-free experience for the nominee/ claimant. Most death claim procedures are now online, so the entire affair takes a few minutes. Here is a summary of the death claim process at the TATA AIA Life Insurance company but the process is similar to most insurance companies. All you have to do is:
 

  1. Visit your insurance company’s website and click on register claim.  

  2. You can register the claim through WhatsApp, email, or call the insurer’s helpline numbers.

  3. You can also send it via post/ offline mail if you are in a place with little to or no internet connectivity.

  4. Upload the documents requested (or mentioned above) to initiate verification.

  5. Wait for a few days or hours to receive a confirmation/ response of your insurance claim status.

  6. Once the insurance claim gets approved, the claim amount will get disbursed to your account.
     

     

To Conclude
 

More and more people have realised the importance of life insurance and are considering it a necessity instead of an added luxury. When it comes to life insurance policies, more than 55% of shares are held by investors in the capital market. In fact, the high claim settlement ratio of around 97% in India shows that insurance companies are prompt in settling and approving insurance claims. The claim settlement ratio1 of Tata AIA – which is 99.01% for FY 2022-23 – is enough to bust myths about death claims getting rejected for no reason.
 

L&C/Advt/2023/Aug/2605

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Tata AIA Life Insurance

A joint venture between Tata Sons Pvt. Ltd. and AIA Group Ltd. (AIA),  Tata AIA Life Insurance  is one of the leading life insurance providers in India. We post everything you need to know about life insurance, tax savings and a variety of lateral topics such as savings and investments in this space. You can access and read a host of different blogs, articles and pages at the Tata AIA Life Insurance Knowledge Center or get in touch with us with any queries or questions!

View all posts by Tata AIA Life Insurance

Frequently Asked Questions

If the claimant or nominee resides out of India, will the death insurance claim get accepted?

Yes, even if the claimant resides out of India, they can submit the relevant documents online and get the claim amount disbursed to their bank account upon approval.

Is the original life insurance policy document mandatory for making a death claim?

It depends on the insurer. Some insurers understand that life insurance policy details and documents have been misplaced and excuse the claimant. Some require a duplicate copy or at least a declaration stating the original document is lost. In such scenarios, the insurer will rely on other documents to assess the validity of the insurance claim.

Disclaimer

  • Insurance cover is available under the product.

  • The products are underwritten by Tata AIA Life Insurance Company Ltd.

  • The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.

  • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

  • This blog is for information and illustrative purposes only and does not purport to any financial or investment services and do not offer or form part of any offer or recommendation. The information is not and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action.

  • Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company.

  • Every effort is made to ensure that all information contained in this blog is accurate at the date of publication, however, the Tata AIA Life shall not have any liability for any damages of any kind (including but not limited to errors and omissions) whatsoever relating to this material.

  • 1Individual Death Claim Settlement Ratio is 99.01% for FY 2022-23 as per the latest annual audited figures