securing a hassle free insurance claim
DESCRIPTION
Simple tips that will enable you to receive the policy benefits.TRANSCRIPT
Securing a hassle free
Insurance Claim
For many, premiums payable on an insurance policy that does not have
any savings component (i.e. when no benefits accrue on maturity) may
seem an unnecessary expense
However, many a times it is the only antidote against the uncertainties of
life since it provides immediate financial help
Indicated below are simple tips that will enable you to receive the policy
benefits, on maturity or
death, from your insurance
company, in a hassle-free
manner…
Steps to be Followed
Ensure a Hassel Free Claims Process
In case of no previous knowledge of filing a claim, take the help of the insurance agent
from who the policy was purchased before filing the claim form(s). Alternately, contact
your insurer directly.
File the insurance claim within the time period specified in the policy document. Any delay
may result in the rejection of the claim.
In case of the unfortunate death of the life insured, certain original/certified copies should
mandatorily be enclosed with the claim form. These include - Original policy bond Original/certified copy of the death certificate issued by the municipal authorities Doctor’s certificate who attended the life insured at his/her last moment Other medical/hospitalization records Burial/Cremation certificate issued by the funeral authorities In case of death due to unnatural causes, duly certified police, postmortem and inquest reports Identity proof of the beneficiary
Insurance protection is available only when the premium is paid regularly. Hence, ensure regular
premium payment, which is the most essential condition for the settlement of the claim in your
favor.
Ensure that only factual information is provided. Any wrong or ambiguous information may lead to
a rejection.
For claiming rider benefits such as an accident or critical illness benefit, you need to submit
admission records to the healthcare facility, subsequent test reports, medical reports and a
discharge summary.
Co-operate positively with the life insurance company which would like to investigate the claim
before sanctioning the amount. This will ensure a speedy disposal of your case.
Remember!
Lodging your claim within the correct time period and supporting it with all required
information and documents will ensure the claim is settled promptly.
Grievance Redressal
If you have any grievance with regards to the
amount claimed/ settled, you can approach the
Insurance Ombudsman
The Insurance Ombudsman is a governing body
set up by the government for the quick disposal of
the grievances of the insured and to reduce their
problems involved in redressal of those grievances
Disclaimer
Insurance is the subject matter of the
solicitation. Read the product brochure
carefully before buying the plan.
Registered and Corporate Office
Address: IndiaFirst Life Insurance
Company Ltd., 301, ‘B’ Wing, The
Qube, Infinity Park, Dindoshi-Flimcity
Road, Malad (E), Mumbai - 400097.
Website: indiafirstlife.com. Registration
No: 143. Toll Free No. 1800 209 8700.
SMS <FIRST> to 5667735, SMS
charges apply.
Thank You