What are the documents to submit when seeking a death claim for insurance?
The usual list of documents include the original insurance policy, death certificate as issued by the respective government department, any FIR or postmortem report for accidental death and any hospital records if applicable. Depending on the exact nature of the case the insurance company is well within its rights to seek any additional documents they may seem necessary.
The first and most important step is informing the insurance company of the death of the insured. There are two classifications for death according to insurance companies – an ‘early death’ and a ‘non-early death’. These are based on the time from when the policy was taken.
An early death is one wherein the insured dies within three years of having taken the policy. The documents necessary for claiming insurance for the two types of death can vary. Approach the insurance company and obtain the claim intimation form. At the same time, you could also ask them for the necessary documents that you need to produce for the claim. For online insurance policies, you can apply online for the form.
Generally, a death claim would require these documents:
The death certificate
Original policy documents
ID proof of the beneficiary
Age proof of insurer
Discharge form (executed and witnessed)
Medical certificate (as proof for cause of death)
Police FIR (in case of unnatural death)
Post-mortem report (in case of unnatural death)
Hospital records/certificate (if the deceased died due to an illness)
Cremation certificate and employer certificate (in case of early death)
As a claimant, you should make the insurance claim immediately following the death of the insured. Ensure that you have all the necessary documents with you too.
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