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How To Make A Death Claim Under Your Life Insurance?

Published On Jul 08, 2021 1:00 PM By InsuranceDekho

The reason why everyone should make sure to invest in a comprehensive life insurance plan is to ensure their loved ones aren't financially distressed after their demise. In the event of the death of the policy holder the beneficiary can claim the proceeds of the death benefits. This claim is called the life insurance claim or more popularly death claim. 

Broadly life insurance claims are divided into two different categories. One is the death claim and the other is the maturity claim. In this article we will discuss at length how to get a death claim. 

Steps To Get A Death Claim Under A Life Insurance Plan

Listed below is the step by step procedure to make a death claim:

Step 1- first and the most important thing is to inform the life insurance company about the death of the policy holder. Deaths are classified into two categories by insurance companies. The first of these categories is an early death and the second is a non early death. These categories are based on when the policy was bought from the life insurance company. If the policy holder dies within three years of buying the policy, it is considered to be an early death. 

Step 2- reach out to the life insurance company and get the claim intimation form. 

Step 3- enquire about necessary documents to process the claim. If the life insurance policy has been purchased online, apply online for the form.

Now that the process is clear, what you need to know is what are the documents that are required to process a death claim. 

Documents Required For Making A Death Claim

The following documents are required for the death claim to start processing: 

  • Death certificate
  • Original policy documents
  • ID proof of the beneficiary
  • Age proof of insurer
  • Discharge form
  • Medical certificate (as a proof of the cause of the death
  • Police FIR (in case of unnatural death)
  • Postmortem report (in case of unnatural death)
  • Hospital records or certificate
  • Cremation certificate and employer certificate

To Conclude

If you are planning to make a death claim, we suggest you not to wait too long after the death of the policy holder. Make sure that you have all the mentioned documents. Also do not forget to get in touch with the life insurance company and ask them for an updated list of documents required to make the death claim.

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.   

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