The Covid-19 pandemic has ushered the importance of digital technologies across the insurance industry. Following up on the social distancing norms, insurance processes like claims have seen a major shift online.
राइट टु डिस्कनेक्ट ऑस्ट्रेलिया में हुआ लागू
Policy document, death certificate authorised by a recognised legal identity, death claim application form, police first information report (in case of unnatural death), etc. will be the primary documents required for claim.
Apart from these, post-mortem report (in case of unnatural death), hospital record (in case of death due to an illness), ID proof of the beneficiary, NEFT mandate form attested by bank authorities alongside canceled cheque will also be required subsequently.
Life insurance claims are expected to generally settled within 30 days of accepting the claim file. But it can certainly take longer if some of the mandatory documents are missing or isn’t convincing enough for the insurers to proceed further.
Life insurance claims can be plain rejected if the documents are found fabricated. Therefore, it’s important to arrange all the original documents as well as enough photo copies undersigned by the rightful authorities before raising a claim.
As per the guidelines of the Insurance Regulatory and Development Authority of India (Irdai), insurers must provide live claim status of each request on their websites. These days, one can view the claim status through calls, SMS, email, and/or WhatsApp too.
