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Life Insurance Claims

What is the Turnaround Time (TAT) as defined by IRDA on Life and Health claims?

Turn Around Time as defined by Insurance Regulation and Development Authority of India (IRDAI) Death claims Health claims
Registering a Claim with the Insurance Company Within 15 days of the unfortunate demise / claim incident Within 15 days of claim incident / hospitalisation
Settlement or Rejection / Repudiation of claims by the Insurance Company wherein an Investigation is not required Within 30 days from the date of receipt of all necessary documents from the assured’s family Investigation should be completed by the insurance company not later than 90 days from the date of receipt of claim intimation / supporting documents from the assured’s family and the claim must be settled within 30 days thereafter Within 30 days from the date of receipt of all necessary documents from the assured / assured’s family Investigation should be completed by the insurance company not later than 30 days from the date of receipt of claim intimation / supporting documents from the assured’s family and the claim must be settled within 45 days thereafter

Simple 3 Step Process for Settling Claims with Life Insurance Companies

  1. Reporting the Claim to the Insurance Company
    The first step for the assured/assured’s family to do is to report the claim. Once can report your claims through many channels directly with the insurance company:
    • Online at the company website,
    • At the Life Insurance Company branch nearest to you,
    • Head Office of the Insurance Company by courier/mail
    • SMS, E-mail or Through the Insurance Company call centre
    The policy docket issued at the time of receiving the policy will contain the necessary information. However kindly note that for some insurance companies claims reported online, through SMS or e-mail will not be considered as intimation. Physical documents will be required to start the process.
  2. Processing of the Claim by the Insurance Company
    The Life Insurance Company’s Claims team will assess your claim based on the initial documents submitted while reporting the claim. In case any further documents are needed from the assured’s family, the same will need to be submitted. Post receiving all the necessary documents (and conducting an investigation if required), the insurer will process your claim request as per the defined TAT’s.
  3. Settlement of the Claim by the Insurance Company
    Post receipt of all necessary documents, the insurance company will evaluate the same and based on the Terms and Conditions of the Life insurance policy, will settle the claim as per the defined timelines.

What are the Documents to be submitted for a Death Claim?

Mandatory Documents for Death Claim are
  • Claimant's (Nominee*/ Assured Family Member) statement / Claim intimation form
  • Copy of Death Certificate of the assuredissued by Local Municipal/Government Authority
  • Medical Records like Admission Records, Discharge/Death Summary
  • Original Policy document
  • KYC Documents of Claimant - Copy of Photo Identification Proof & Current Address Proof + Cancelled Cheque of account into which payment will be made
  • On Maturity or for Money Back / Pension Plans - Annuity Claim Documentation list
Additional Documents for Accidental Death
  • Copy of Medico Legal Cause of Death Certificate
  • Copy of FIR/ Panchnama/ Inquest Report & Post Mortem Report for Accidental Death &Suicide cases
  • Hospital Certificate to be filled by the treating doctor / attending physician
  • Certificate from Employer in prescribed format (for salaried individuals)
  • Copy of Driving License if Life Assured was driving the vehicle at the time of accident - if 'Accident and Disability Benefit Rider' is opted
  • Newspaper cutting / Photographs of the accident - if available

What are the Documents to be submitted for a Critical Illness / Rider** Claims?

While reporting a claim for Critical Illness / Rider Claims / Hospital Cash or Care / Specific Policies one will need the following documents:
  • Claimant's (Nominee*/ Assured Family Member) statement / Claim intimation form
  • Attending Physicians Certificate regarding the Critical Illness or Rider
  • Medical Records like Admission Records, Discharge/Death Summary
  • Original Policy document
  • KYC Documents of Claimant - Copy of Photo Identification Proof & Current Address Proof + Cancelled Cheque of account into which payment will be made
  • On Maturity or for Money Back / Pension Plans - Annuity Claim Documentation list
  • If it’s a Fixed Benefit Policy like Hospital Cash – confirmation on number of days of Hospitalisation

What are the Documents to be submitted for a Disability/Dismemberment Claim?

The documents to be submitted for a Disability or Dismemberment Claims are as follows:
  • For Disability
    • Claimant’s (Life Assured or Assured’s Family) Statement
    • Disability Certificate by Attending Physician / Institute for disabled statement
    • Rehabilitation Certificate - If applicable
    • Employer's written confirmation / statement –if Assured is a salaried professional
    • Disability Claim Form
  • For Dismemberment
    • Application Form for Dismemberment (Life Assured's or Assured’s Family Statement) with Statement
    • Attending Physician's report
    • Dismemberment Claim Form
  • Attested Copies of Case Papers of the hospital along with Discharge Summary of hospitalization
  • KYC Documents - Photo Identity of Life Assured with age and address proof + Bank Details of the claimant – Cancelled cheque (with printed name and account number)/bank passbook and NEFT Form
  • Clinical Photographs showing the injured areas - if available
  • If Hospitalisation is following an Accident, additional documents are:
    • Policy Reports including First Information Report and Final Investigation Report
*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. **A Rider is an extra benefit that can be purchased along with your policy for increasing your cover. Note : The list of documents above is an exhaustive list by the Claims Team of the Life Insurance company has the right to call for any additional documents they deem fit while evaluating/processing a claim. The claimant must submit the documents as required by the insurance company.

Why can claims be Repudiated?

In in the claim findings, it can be clearly 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 and if not 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.

Insurance Claims of Life Insurance Companies

Max Life Insurance Co Ltd
For any Claims Assistance:
Customer Service Helpline: 1860 120 5577 (9am - 6pm / Monday to Saturday)
Online Plus Helpline: 1800 200 3383 (8am - 9pm / Monday to Saturday)
NRI Helpdesk: 0124 5098162 / 0124 4905150
Email ID: claims.support@maxlifeinsurance.com
Write to us at: Max Life Insurance Operations Centre-Claims Dept,
Max Life Insurance Company
Operations centre, - 2nd floor
90A, Sector 18, Udyog Vihar,
Gurgaon-122015, India

For Cashless Benefit Claims:
Call on: Toll free number 1800-290-3151
Email at: phs.mli@paramounttpa.com
Write to the TPA at: Paramount Health Services Pvt. Ltd.
D-39, Okhla Industrial Area, Phase 1,
Near D. D. Motors, New Delhi -110 020

To register a claim, please follow one of the following:
Call us at : Toll Free 1800 209 9090 (Monday-Saturday | 9am - 7pm IST)
Call us at : Tel: +91 226118 0100
Fax us at : Tel +912261180200/300
Email us at : customer.care@aegonlife.com
Visit us Online at : www.aegonlife.com
Write to Us at : Aegon Life Insurance Company Limited,
Building No. 3, Third Floor,
Unit No. 1, Nesco IT Park,
Western Express Highway,
Goregaon (East), Mumbai- 400063 Visit our nearest branch : Anywhere in India, closest or in your city of residence

Edelweiss Tokio Life Insurance Co Ltd

To register a claim, please follow one of the following: Call us at: Toll Free 1800 212 1212
: Claims Mobile Number 88796 88110
Email us at: claims@edelweisstokio.in
Register claim online: https://www.edelweisstokio.in/claim/intimationn
Write to us at: Edelweiss Tokio Life Insurance Co. Ltd. (Claims Team)
6th Floor, Tower 3, B wing
Kohinoor City, Kirol Road,
Kurla (w), Mumbai – 400070. Visit us at: Nearest Branch (When Operational)

How can I get the status of my Submitted claim?

Call us at: Toll Free 1800 212 1212
,or: Claims Mobile Number 88796 88110
Email us at: claims@edelweisstokio.in

TATA AIA Life Insurance
To register a claim, please follow one of the following:
Call us at : Toll Free 1860 266 9966
SMS us at : “SERVICE” to 58888
Visit us Online at : https://www.tataaia.com/claims/claims-process.html
Write to Us at : Claims Department, TATA AIA Life Insurance Co Ltd
B- wing, 9th Floor, I-Think Techno Campus,
Behind TCS, Pokhran Road No.2,
Close to Eastern Express Highway, Thane(West) 400 607
Visit us : Anywhere in India, closest or in your city of residence
Kotak Life Insurance
To register a claim, please follow one of the following:
Call us at : Toll Free 1800 209 8800 (Monday-Saturday | 9am - 7pm IST)
Whatsapp us at : +91 93210 03007
Email us at : kotaklifeinsurance
Visit us Online at : https://customer.kotaklifeinsurance.com/ocm
Write to Us at : Claims Department,
Kotak Mahindra Life Insurance Company Limited
Kotak Infiniti, Building no. 21, 7th Floor - Zone 2,
Infinity Park, Off Western Express Highway,
General A K Vaidya Marg, Malad (E), Mumbai – 400 097
Visit us : Anywhere in India, closest or in your city of residence

ICICI Prudential Life Insurance
To register a claim, please follow one of the following:
Call us at : Toll Free 1860 266 7766
SMS us at : ICLAIM8-Digit Policy Number to 56767
Email us at : claimsupport@iciciprulife.com
Visit us Online at : www.iciciprulife.com
Write to Us at : Our Life claims cell / Health claims cell
ICICI Prudential Life Insurance Company Ltd,
1st Floor, C-wing, Office No. 115, 116, 117,
BSEL Tech Park, Opp. Vashi Station,
Sector 30, Vashi, Navi Mumbai- 400703.

HDFC Life Insurance Co Ltd
To register a claim, please follow one of the following:
Call us at : Toll Free 1860 267 9999 (10 AM- 7 PM between Monday – Saturdays)
SMS us at : “Life” at 56161
Email us at : service@hdfclife.com, nriservice@hdfclife.com (for NRI Customers)
Visit us Online at : www.hdfclife.com
WhatsApp Bot Etty : Send a "Hi" on +91 8291890569 or just click here http://bit.ly/2eQnHF
Elle Virtual assistant : Chat with Elle on shorturl.at/iwEOZ
Missed Call Services : Select services like fund value, premium amount and premium due date can be availed by giving us a missed call at +91 800 000 6609
Bajaj Allianz Life Insurance Co Ltd
To register a claim, please follow one of the following:
Call us at: Toll Free 1800 209 7272 (Monday-Saturday | 9am - 7pm IST)
Call us at: +91 20 67871700 (Call charges apply) – For NRIs only
Email us at: customercare@bajajallianz.co.in
Visit us at: https://www.bajajallianzlife.com/
Write to Us at: Bajaj Allianz Life Insurance Co Ltd
Bajaj Allianz House, Airport Road,
Yerawada, Pune - 411 006, Maharashtra
Tel No: 020-66026773 / Fax No: 020-66026789
Visit our nearest branch: Anywhere in India, closest or in your city of residence
Future Generali Life Insurance Company Limited
Exide Life Insurance Company Limited
To register a claim, please follow one of the following:
Call us at: Toll Free 1800 419 8228
Call us at: +91 80 49280628
Email us at: Claims@exidelife.in
Register Claims Online at: https://www.exidelife.in/customer-service/claims
Write to Us at: Claims Department, Exide Life Insurance Company Limited,
1st Floor, Exide Life Insurance Company Limited,
JP Techno Park,No.3/1,
Millers Road,
Bangalore - 560 001
Visit our nearest branch: Anywhere in India, closest or in your city of residence
India First Insurance Company Limited
To register a claim, please follow one of the following:
Call us at: Toll Free 1800 209 8700 (Monday to Saturday - 9 am to 7 pm)
Call us at: +91 22 62749898 (for callers from outside India)
Email us at: claims.support@indiafirstlife.com
Register Claims Online at: www.indiafirstlife.com
Write to Us at: IndiaFirst Life Insurance Company Limited
12th and 13th Floor, North [C] wing,
Tower 4, Nesco IT Park, Nesco Center,
Western Express Highway, Goregaon (East),
Mumbai – 400063
Visit our nearest branch: Anywhere in India, closest or in your city of residence
SBI Life Insurance Co Limited
To register a claim, please follow one of the following:
Call us at : Toll Free 1800 267 9090 (Everyday, 9am - 9pm IST)
Email us at : claims@sbilife.co.in (for Death Claims)
maturity@sbilife.co.in (for Maturity/Survival Claims) Visit us Online at : https://www.sbilife.co.in/en/services/claims-and-maturity
Write to Us at : Claims Department,
SBI Life Insurance Co Ltd
8th level Seawoods Grand Central, Tower 2,
Sector 40, plot No.R-1, Seawoods, Nerul,
Navi Mumbai- 400706.
Visit us : Anywhere in India, closest or in your city of residence
IDBI Federal Life Insurance
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