Death Claim

How do I inform about a death claim under a policy?

You can use any of the following channels to inform us:

  • Email -
  • Helpline no. - 1860-266-9966 (local charges apply)
  • Walk into any of the TALIC branch offices
  • Write directly to us at:

The Claims Department,
Tata AIA Life Insurance Company Limited
B- wing, 9th Floor,
I-Think Techno Campus,
Behind TCS, Pokhran Road No.2,
Close to Eastern Express Highway,
Thane(West) ֠400 607.
IRDA Regn No. 110

What are the different modes of claim payment?

  • NEFT (National Electronic Fund Transfer)
  • Cheque

Will the beneficiary get any benefits when the policy is in lapsed mode as on the date of death of life assured?

If the date of death is after the grace period of the said policy, the policy is considered to be lapsed as on the date of death.

If policy is lapsed as on the date of death, there is no payout. In case of ULIP products there is payout of Account value/fund value as on the receipt of proof of loss by the company. In traditional products there is no payout.

Whom should I contact if I need any help during claim process?

You can call up on the toll free no.1800-267-9966 or send an email to to know the status of the claim or for any assistance required

What is non-disclosure and how would it affect during claim stage?

It refers to the situation where a customer fails to reveal a relevant fact when applying for or renewing an insurance contract. These facts are important for the company for assessing the risk. At the claims stage if it is detected/found that the statements made at the time of application/reinstatement the policy were false or life assured had acted against the interest of the company, Company has the right not to pay the claim amount.

What are the Benefits payable under a Death Claim?

Basic Sum Assured + Rider( if applicable) + Other Policy Additions e.g. – Reversionary Bonus/Guaranteed Addition (if applicable)

To whom will the death claim be paid?

The death benefit is paid to:

  • The nominee, as declared by the insured/the policyholder
  • The legal heirs, in case the policyholder/insured has not specified the nominee
  • The appointee named by the policyholder/insured, when the nominee is a minor at the time of claim
  • The assignee, in case the policy is assigned by the policyholder/insured
  • The Trustee wherever applicable

If the nominee dies during the tenure of the policy; what needs to be done by the life assured?

The Life Assured should make fresh nomination.

Why claim repudiation happens?

In the claim findings if it is established that there had been a material suppression of facts pertaining to the information in Application form, which would have impacted the assessment of risk, if disclosed at the application stage, then it may lead to repudiation of the claim.
If the documents submitted at the application/claims stage are not genuine or proved forged, it would lead to claim repudiation.

Where can the case be presented in the event of a claim dispute?

The claimant may approach to the Customer Care department of the company in case of a claim dispute. If there is no satisfactory response, the policyholder /claimant may write to the Ombudsman Office pertaining to their region

What are the IRDA regulations pertaining to Claims?

The IRDA (Insurance Regulatory and Development Authority) clearly articulates that a claim will have to be paid within 30 days from the date of receipt of all claim documents.
In case the claim warrants an investigation, then the insurance company has to complete the investigation not later than 90 days from the date of receipt of claim intimation and the claim shall be settled within 30 days thereafter.
Moreover, if a claim is ready for payment but the payment cannot be made because of conflicts or insufficiency of proof of title, then the insurer may apply to pay the amount into the Court, or, such an amount will earn interest at the prevalent rate applicable to a savings bank account.