• Note the vehicle registration number of the opponent vehicle involved in the accident, if vehicle has collided with another vehicle
• Note down the name and contact numbers of witnesses, if any.
• Call Bharti Axa on toll-free number (1800-103-2292) or
• Drop an email at claims@bhartiaxa.com to register your claim
• Once your claim is registered, you will receive a confirmation SMS on your registered number within an hour. This will have your Bharti-AXA General Insurance (BAGI) claim number along with the next steps towards your claim settlement process.
• In less than 24 hours of your claim registration, a BAGI representative will call you explaining the complete process and intimating you about the various documents that you will need to furnish for claim processing.
• File an FIR at the police station nearest to the accident spot in case of third party property damage or bodily injury, theft, malicious damage, key loss and major accidents.
• Take the vehicle immediately to the suggested garage
• Company will appoint a surveyor to come and physically inspect the car within 24 hours.
• Besides the damage to the vehicle, submit all mandatory documents, such as
  Self-attested registration certificate,
  Driving license,
  KYC Document (For loss above 1Lakh) i.e. and
  Original claim form to repairer or surveyor and get them verified with originals.
  For Commercial Vehicle claim submit Fitness Certificate, Route Permit, Goods Receipt (If loaded) etc.
  
• Surveyor will assess the loss based on policy terms and condition
• You have an option of several cashless garages across India which can be found on the following link - www.bharti-axagi.co.in/cashless-garage-network
• Once the work is completed, the garage will submit its repair invoice and the re-inspection of vehicle will be done
• Payments that need to be borne by the company at their preferred garage will be made directly to the garage on completion of the repairs.
• Company’s CSM will inform you about the balance amount that has to be paid by you as per policy terms and conditions.

Grievance Redressal

• Vehicle registration number of the opponent vehicle involved in the accident, if vehicle has collided with another vehicle
• Note down the name and contact numbers of witnesses, if any.
• File an FIR at the police station nearest to the accident spot in case of third party property damage or bodily injury, theft, malicious damage, key loss and major accidents.
• Self-attested registration certificate,
• Driving license
• KYC Document (For loss above 1Lakh) i.e and
• Original claim form to repairer or surveyor and get them verified with originals.
• For Commercial Vehicle claim submit Fitness Certificate, Route Permit ,Goods Receipt (If loaded) etc.

Step 1 : Register your claim

• Option A: To register your claim online, please click - https://general.bajajallianz.com/BagicNxt/MotClaims/index.jsp
• Option B: To register your claim on the phone, please dial Toll Free Number: 1800-209-5858
• You will need to provide:
• Contact number
• Engine and Chassis Number
• Accident date and time
• Description and location of the accident
• Vehicle inspection address
• Km. reading
• Once the claim is registered, the customer support executive will provide you with a Claim Reference Number.

Step 2: Send your Vehicle for Repair

In case of an accident:Take your vehicle to the garage (if movable) or have it towed to avoid further damage.

In case of a theft claim: File a police complaint immediately in writing and inform on Toll Free Number. If your vehicle isn't found within 90 days, ask the police to issue you a Non-Traceable Report. This is an undertaking given by the police that they are yet to find your vehicle; you need to submit this report to us. We start the claim process after this.

Step 3: Survey and Claim Settlement

• Documents Required: Submit the copy of documents to the garage / dealer and get it verified with the originals.
• For the list of documents required to process the claim, please refer to the checklist above.
• Spot Settlement: If the loss is not severe, it is suggested that you avail spot settlement of claims through Bajaj Allianz Mobile Settlement Service.
• Claim Settlement: After completion of repair at a preferred garage company will make payment directly to the garage.
• You will only have to pay the excess as mentioned in the policy and the depreciation value, salvage etc. as informed by the surveyor.

Grievance Redressal

Accidental Damage

• Claim form duly filled and signed by the insured
• Proof of insurance Policy / Covernote copy
• Copy of Registration Book, Tax Receipt
• Copy of Motor Driving Licence of the person driving the vehicle at the time
• Police Panchanama/FIR ( In case of Third Party property damage /Death / Body injury)
• Estimate for repairs from the repairer where the vehicle is to be repaired
• Repair Bills and payment receipts after the job is completed
• Claims Discharge Cum Satisfaction Voucher signed across a Revenue Stamp

Theft Cases:

• Claim form duly filled and signed by the insured
• Original Policy document
• Original Registration Book/Certificate and Tax Payment Receipt
• Previous insurance details - Policy No, insuring Office/Company, period of insurance
• All the sets of keys/Service Booklet/Warranty Card
• Police Panchanama/ FIR and Final Investigation Report
• Acknowledged copy of letter addressed to RTO intimating theft and making vehicle "NON-USE"
• Form 28, 29 and 30 signed by the insured
• Letter of Subrogation
• Consent towards agreed caim settlement value from you and Financer
• NOC of the Financer if claim is to be settled in your favor
• Blank and undated "Vakalatnama"
• Claim Discharge Voucher signed across a Revenue Stamp

• Step 1 – Intimate Online or Call on 1800-220-233 or SMS MOTORCLAIM to 9222211100.
• Step 2 – Surveyor will inspect the vehicle.
• Step 3 – Provide requested documents to surveyor.
• Step 4 – Approved claim amount will be communicated to workshop.
• Step 5 – Payment will be made directly to Future Generali convenient workshop.

Grievance Redressal

Own Damage claims

• Copy of the Certificate of Insurance cum Policy Schedule
• Claim form
• Copy of RC book
• Copy of Driving License
• Estimate
• Final repair invoice and receipt / Satisfaction voucher for cashless payment

Third Party Claims

• Copy of the Certificate of Insurance cum Policy Schedule
• Claim form duly filled and signed
• Copy of the Certificate of Insurance cum Policy Schedule
• Copy of Driving License of the driver at the relevant time of accident (with original for verification)
• FIR / Police Panchnama
• Court Notice / Summons
• Copy of Registration Certificate and other vehicular documents (with originals for verification)

Theft Claims

• Original Policy
• Claim form
• Original Registration certificate
• FIR
• Original set of keys
• Original Sales invoice & Tax receipt
• Intimation to RTO (to inform RTO that the car is stolen and not to transfer)
• Transfer papers
• Indemnity Bond
• Subrogation letter

• Locate HDFC Ergo’s network garages on www.hdfcergo.com or call toll free no. 1800-2-700-700 for details
• Drive or have your vehicle towed to the nearest network garage.
• All damages / losses will be surveyed and assessed by company’s surveyor.
• Fill in the claim form and provide the related documents as mentioned in the form.
• You will be updated through SMS/Emails on every stage of the claim.
• Once the vehicle is ready, pay your share of the claim consisting of Compulsory deductible, depreciation etc. to the garage and drive off. The balance would be settled by company directly with the network garage
• Receive the claims computation sheet with entire break up for your ready records..

Grievance Redressal

• Locate HDFC Ergo’s network garages on www.hdfcergo.com or call toll free no. 1800-2-700-700 for details
• Drive or have your vehicle towed to the nearest network garage.
• All damages / losses will be surveyed and assessed by company’s surveyor.
• Fill in the claim form and provide the related documents as mentioned in the form.
• You will be updated through SMS/Emails on every stage of the claim.
• Once the vehicle is ready, pay your share of the claim consisting of Compulsory deductible, depreciation etc. to the garage and drive off. The balance would be settled by company directly with the network garage
• Receive the claims computation sheet with entire break up for your ready records..

• Step 1 – Register a claim by calling 1800 3009
• Step 2 – Survey & Vehicle submission of claim documents
• Step 3 – Liability Confirmation
• Step 4 – Vehicle Delivery

Grievance Redressal

Accidental Damage

• Proof of Insurance - Policy / Cover Note copy
• Copy of Registration Book, Tax Receipt (Original required for verification)
• Copy of Motor Driving License (with original) of the person driving the vehicle at the material time
• Police Panchanama / FIR (In case of third-party property damage/ death / body injury)
• Estimate for repairer, where the vehicle is to be repaired
• Repair bills and payment receipts after the job is completed
• Claims Discharge Cum Satisfaction Voucher signed across a Revenue stamp in this format (In case Car Insurance claim is to be paid to repairer)

Theft Cases:

• Original Certificate/Policy Document
• Original Registration Book, with Theft endorsement from concerned RTO, and tax payment receipt
• Previous Insurance Details:
  a. Policy number
  b. Insuring office / company
  c. Period of insurance
• Previous insurance details - Policy No, insuring Office/Company,
  period of insurance
• All the sets of keys/service booklets/Warranty card
• Police Panchanama / FIR and final investigation report/JMFC report
• Acknowledged copy of letter address to RTO intimating theft and making vehicle "NON-USE"

• 1. Claim intimation to Bajaj Allianz through call center/mail/letter/local office
• 2. Surveyor Appointment for loss Assessments. Surveyor visits Loss place
• 3. Claim registered in Bajaj’s system. Claim number is informed to Insured customer
• 4. Survey will be done by Surveyor/in-house assessor and issue list of required documents to customer in 48-72 hours (on case to case basis). Customers have to arrange within 7-15 working days
• 5. After receipt of all documents Loss Adjuster prepares report and submits the same to Bajaj Allianz
• 6. After receipt of Survey report (FSR) and documents including KYC, NEFT from client claim processed within 7-10 working days (depends on type of loss)
• 7. Claim handle of Bajaj verifies loss, scrutinizes documents, surveyor report and process further settlement
• 8. After finalizing final claim amount Bajaj Allianz informs the customer and releases the payment

Grievance Redressal

Theft Damages

• Claim form duly filled and signed by the insured
• Details of lost item covered under the policy
• Purchase Invoice of the lost item
• Brief narration about the incidence occurred
• First Information Report – FIR
• Final Police Report
• Indemnity Bond (if required)
• NEFT Documents
• KYC Documents if amount is more than 1 Lakh
• Consent

Burglary Damages

• Claim form duly filled and signed by the insured
• FIR/Police Panchnama
• Final Police Report
• Indemnity Bond (if required)
• Purchase Invoice of the lost items
• NEFT Documents
• KYC Documents if amount is more than 1 Lakh
• Paper cutting etc. if any
• Insured's consent/confirmation
• NEFT Documents
• KYC Documents if amount is more than 1 Lakh
• Discharge voucher

Other Damages

• Claim form duly filled and signed by the insured
• Brief narration about the loss
• Purchase Invoice of damaged Item
• Estimate of repair
• Service report from repairer
• Repair bill
• Payment Receipt
• NEFT Documents
• KYC Documents if amount is more than 1 Lakh
• Consent

• Step 1- Contact the company on – 080-49123900
• Email – claims@bharti-axagi.co.in
• Step 2 – Submit the relevant documents to the company
• Step 3 – The claims will be scrutinized and processed by the company.

Grievance Redressal

• Name of insured
• Policy number
• Contact details.
• Date & time of loss,
• Location of losse
• Nature & extent of loss

• Locate HDFC Ergo’s network garages on www.hdfcergo.com or call toll free no 1800-2-700-700 for details
• Drive or have your vehicle towed to the nearest network garage.
• All damages / losses will be surveyed and assessed by company’s surveyor.
• Fill in the claim form and provide the related documents as mentioned in the form.
• You will be updated through SMS/Emails on every stage of the claim.
• Once the vehicle is ready, pay your share of the claim consisting of Compulsory deductible, depreciation etc. to the garage and drive off. The balance would be settled by company directly with the network garage
• Receive the claims computation sheet with entire break up for your ready records.

Grievance Redressal

• Locate HDFC Ergo’s network garages on www.hdfcergo.com or call toll free no 1800-2-700-700 for details
• Drive or have your vehicle towed to the nearest network garage.
• All damages / losses will be surveyed and assessed by company’s surveyor.
• Fill in the claim form and provide the related documents as mentioned in the form.
• You will be updated through SMS/Emails on every stage of the claim.
• Once the vehicle is ready, pay your share of the claim consisting of Compulsory deductible, depreciation etc. to the garage and drive off. The balance would be settled by company directly with the network garage
• Receive the claims computation sheet with entire break up for your ready records.

• Step 1 – Intimate the claim at 1800 3009
• Step 2- Surveyor to be assigned within 2 working days
• Step 3 – Surveyor to submit final assessment report & claim form
• Step 4 – Claim amount can be received through NEFT

Grievance Redressal

• Claim Form with complete details
• Purchase Invoice of the affected subject matter
• Estimates of repairs/replacements
• Replacement invoice &payment proof
• First Information Report & Final Investigation Report from Police Authorities (if applicable)
• Fire Brigade Report (if applicable)
• Service Report (for electronic & mechanical breakdown claims)
• Other supporting documents as per surveyor’s requirement

• Step 1- In the event of an incident that may give rise to a claim under this Policy, You must notify the Company immediately
• Phone – 1860-425-0000 or
• Email at - customer.services@royalsundaram.in or
• Provide written intimation at –
• Royal Sundaram General Insurance Co. Limited
• Accident & Health Claims Department
• Vishranthi Melaram Towers
• No.2/319 , Rajiv Gandhi Salai(OMR)
• Karapakkam,Chennai – 600097
• The written intimation shall be furnished within 14 days to the Company and detailed particulars of the amount of the loss or damage together with such explanation and evidence to substantiate the claim as the Company may reasonably require.

• Step 2 - Lodge a complaint with the Police forthwith in the event of theft and Burglary and take all practicable steps to apprehend the guilty person or persons and to recover the property lost.

• Step 3 -Wherever necessary company will appoint Surveyors/Investigators

Grievance Redressal

Fire Claim

• Duly completed Claim form
• First Information Report
• Paper cuttings or media reporting of the incident
• Fire Brigade Report (in case of Loss, destruction or damage by Fire)
• Meteorological report (in case of Loss, destruction or damage by Flood, Storm, Cyclone)
• Title deed establishing the ownership of the property (for Building cover)
• Layout plan of the building / affected area (for Building cover)
• Details of firefighting arrangements
• Estimate for Repairs/ Replacement together with basis of arrival of the same
• Invoice/Bills/ Receipts
• Photographs

Burglary Claim

• Duly completed Claim form
• Statement of loss confirming the items stolen
• First Information Report filed with Police showing item identifications like description of items, date of incident and estimate of loss
• Loss estimate and Basis of arriving at the loss estimate
• Invoice/Bills in original
• Final Police Report
• Non-traceable Certificate issued by Police authorities
• Newspaper cutting if any reporting the incident
• Letter of indemnity

Rent for alternate accommodation

• Claim form duly filled
• Proof of occupancy at the alternate accommodation indicating duration of such accommodation
• Proof of rent paid for temporary accommodation

Loss of rent

• Claim form duly filled
• Rental agreement signed with the tenant
• Statement from tenant confirming non-payment of rent due to uninhabitable state of the premises

Other Documents

• KYC documents (address proof and ID proof for all claims exceeding INR 1,00,000
• Cancelled cheque leaf of SB account in the policy holder’s name for effecting NEFT settlement
• Any other documents as required by the Insurer depending on the nature and type of the claim preferred

• Step 1 – Notify the company on their helpline number – 1800-2-700-700
• Step 2 – Submit the relevant documents for processing your claim
• Step 3 – Based on your documentation company will notify you if any further proofs are required
• Step 4 – Your claim will be processed

Grievance Redressal

• Duly filled and signed Claim Form
• Death Certificate from Municipal Corporation
• FIR or MLC Copy
• Post Mortem Report or Cause of death certificate from treating doctor
• NEFT details for payment: Cancelled cheque in the name of nominee or bank statement/1st page of passbook copy attested by bank
• Last Income tax return (ITR)
• For all claims amounting 1 lakh and above: KYC form along with photocopy of any one KYC document of nominee - Aadhar card, Passport, Driving license, Voter ID, etc.
• Blood analysis report or Histopathology or Chemical viscera (If done)

• Step 1 – Intimate the Accidental Claim at Customer Care Number – 1800-103-8889
• Step 2 – Submit the required claim documents as per the checklist of Death/PTD/PPD/TTD claims
• Step 3 – Claim Scrutiny by the company
• Step 4 – Company makes payment to insured through NEFT

Grievance Redressal

Death Claims

• Claim Form
• Attending Doctors Report
• Original Death Certificate
• Original / attested Post Mortem / Coroners Report
• Attested copy of FIR / Panchnama
• Police Inquest report, where applicable

Dismemberment / Disablement Claims

• Claim Form
• Attending Doctors Report
• Original Disability Certificate from the Doctor, if any
• Investigation / Lab Reports (X-Rays reports with films & other reports etc.)
• Original Admission / Discharge Card, if hospitalized
• Police Inquest report, where applicable
• In case of PTD claims – Disability Certificate from Govt. Registered Medical Practioners.

Step 1 - Request a Claim Form

• To request for a claim form, call at 1860-425-0000. You can also send an email to customer.services@royalsundaram.in at the earliest, and not later than 30 days after the accident. Please quote the Policy Number for company’s reference. Company will mail you the Claim Form within 2 working days or you can download the claim form from company’s website.
• You can also notify your claim online. Once you notify the claim, company’s claims team will contact you to explain the procedure.
• Email at - customer.services@royalsundaram.in or

Step 2 - Submitting the claim form

• Please ensure that the documents are provided in English or provide the company with an English translation of the same. If required, company may appoint a Service Provider to verify the documents for a more efficient claim process.
• You can mail the Claim Form and requisite documents to -
• Royal Sundaram General Insurance Co. Limited
• Accident & Health Claims Department
• Vishranthi Melaram Towers
• No.2/319, Rajiv Gandhi Salai (OMR)
• Karapakkam, Chennai - 600097

Step 3

• If your claim is admissible, company will mail you a cheque. If for any reason, company is unable to clear your claim for reimbursement, they will send you a detailed repudiation letter.

Grievance Redressal

Death

• Original Death Certificate
• Post Mortem Report
• Inquest report
• Accident report
• FIR/MLC copy
• Hospital records
• News Paper cuttings if any and any other relevant records
• Chemical Analysis Report
• Latest IT return to show Proof of annual income
• Succession Order/legal heir certificate/legal documents to establish identification of legal heir in the absence of nomination under the policy
• Any other document as may be required by the Company Accident Hospitalisation
• Claim Discharge summary
• Original Hospital Bills
• Advance and final receipts (All receipts shall be numbered,signed and stamped),
• Prescriptions for medicines Diagnostic, Test Reports, X Ray, Scan, ECG and other films (including doctor’s advice demanding such tests)
• Cash memos/bills for medicines purchased from outside
• Education Grant School Identity Card or Certificate from the educational institution and Age-proof of the child in respect of whom this benefit is claimed

Permanent Total or Partial Disablement –

• Duly filled in Claim form
• Disability Certificate issued by attending physician
• Accident report FIR/MLC copy
• Hospital Records
• News Paper cuttings if any and any other relevant records English Translation of vernacular documents Latest IT return to show Proof of annual income
• Any other document as may be required by the Company,
• Temporary Total Disablement
• Duly filled in Claim form
• Disability Certificate issued by attending physician
• Accident report FIR/MLC copy
• Hospital Records
• News Paper cuttings if any and any other relevant records English Translation of vernacular documents Latest IT return to show Proof of annual income
• Any other document as may be required by the Company,
• Leave Certificate issued by employer
• Salary Certificate - If required Royal Sundaram’s Medical Panel may examine the insured person to assess the disability

Step 1 –

• Intimate ABLSI regarding your claim settlement via the following ways –
• a) Online
• b) Email – claims.lifeinsurance@adityabirlacapital.com
• c) Visit claims department/Branch office. You can locate the branch office from the following link - https://lifeinsurance.adityabirlacapital.com/Pages/Unsecure/LI/INDV/Home/Locator.aspx
• d) Call Toll Free - 1800-270-7000
• e) Intimate the Claims Dept with the claim documents at below mentioned address:
  Claims Dept,
  Aditya Birla Sun Life Insurance Company Limited
  G Corp Tech Park,
  5th & 6th Floor,
  Kasar Wadavali, Ghodbunder Road,
  Thane - 400 601.

Step 2-

• Once all the mandatory documents are received the claims team scrutinizes each claim documents in detail. In case of any pending documents requirement is communicated.

Step 3-

• IF the claim is accepted the payment is made to the beneficiary or If it is rejected communication providing reason is sent to beneficiary.

Grievance Redressal Mechanism

Natural Death

• Copy of Death Certificate issued by Municipal Authority / Gram Panchayat
• Claimant's Statement along with KYC - ID Proof / Relationship Proof
• Original Policy Document / Indemnity Bond (In case Original Policy document is lost)
• Cancelled Cheque with NEFT details
• Medical Attendant Certificate
• Employer's Certificate - In case Life Assured is Employed

Unnatural Death

• Copy of Death Certificate issued by Municipal Authority / Gram Panchayat
• Claimant's Statement along with KYC - ID Proof / Relationship Proof
• Original Policy Document / Indemnity Bond (In case Original Policy document is lost)
• Cancelled Cheque with NEFT details
• Medical Attendant Certificate
• Employer's Certificate - In case Life Assured is Employed
• First Information Report
• Post Mortem Report

Waiver of Premium Death

• Copy of Death Certificate issued by Municipal Authority / Gram Panchayat
• Claimant's Statement along with KYC - ID Proof / Relationship Proof
• Original Policy Document / Indemnity Bond (In case Original Policy document is lost)
• Cancelled Cheque with NEFT details
• Medical Attendant Certificate
• Employer's Certificate - In case Life Assured is Employed
• Proposed Policyowner Form
• Deed of Relinquishment to be executed on Rs. 200/- stamp paper duly notarized

Accidental Dismemberment

• Claimant's Statement for Accidental Dismemberment Rider along with KYC - ID Proof Relationship Proof
• Accidental Dismemberment Questionnaire to be Completed by Doctor
• Original Policy Document / Indemnity Bond (In case Original Policy document is lost)
• Medical Reports
• Cancelled Cheque with NEFT details

Accidental Disability

• Claimant's Statement for Disability Claim along with KYC - ID Proof
• Medical Certificate for Disability
• Continuous Disability Statement
• Original Policy Document / Indemnity Bond (In case Original Policy document is lost)
• Medical Reports
• Police Report
• Cancelled Cheque with NEFT details

Step 1

• Call Aegon Life’s toll-free Customer Service Helpline number 1800-209-9090
• Visit their nearest branch and submit a death notice with a copy of the death certificate. It can be located on the following link - https://www.aegonlife.com/locate-branch
• Online intimation at https://www.aegonlife.com
• Claim documents can be directly emailed to claims@aegonlife.com
• Send a written death notice with a copy of the death certificate to:
• Claims Department, AEGON Life Insurance Company Limited.
  Building No. 3,Third Floor, Unit No. 1,
  Nesco IT Park, Western Express Highway,
  Goregaon (East), Mumbai - 400063.

Step 2

• Aegon Life will payout the fund value accrued under the policy to the beneficiaries as on the date of intimation of death (I.e. upon submission of all the documents mentioned in the requirement list as per the type of claim)

Step 3

• Upon receipt of the complete set of documents (as mentioned in the requirement list), Aegon Life will commence the claims process immediately. In case of any clarifications / further requirements, they will get in touch with you. Upon verification of the documents, if all the documents as per the requirements are received and are found to be in order, they will release the balance/ complete death/ rider benefit amount to you/ beneficiary subject to all other terms and conditions of the contract being fulfilled.

Link to claims section on Aegon Life Website - https://www.aegonlife.com/customer-service/claims

Grievance Redressal

Mandatory Documents for all type of claims

• Death certificate (original or self-attested copy) issued by municipal corporation under section 12/17
• One passport size color photo of the claimant
• Passbook copy and Cancelled cheque stating the claimant's (Nominee) or life assured account number (as applicable)
• ID and residential proof of the claimant.
• Relationship proof (wherever applicable)

1. Death Claim

• Claimant Statements - Death Claim
• ALIC Attendant physician statement for death claim
• ALIC Hospital treatment statement for death claim

# If Accidental Death Claim / Suicide Death Claim

• Post mortem report - duly filled
• Police inquest report
• Panchanama / First Investigation Report
• Copy of Driving License of the Insured (if died due to road accident)

2.Accidental Disability / Dismemberment Claim

• Post mortem report - duly filled
• ALIC Disability / Dismemberment Claim Application Form
• ALIC Attending Physician Statement
• ALIC Hospital Treatment Certificate
• Police Inquest Report
• Panchanama
• First Investigation Report
• Copy of Driving License of the Insured (if died due to road accident)

• In the unfortunate event of a critical illness, hospitalization, disability or death, please contact Customer Services Helpline at 1800-103-7766 or
• Write to AVIVA LIFE at:
• Claims Department
  Aviva Life Insurance Company India Ltd.
  Aviva Tower, Sector 43,
  Opposite DLF Golf Course, Gurgaon - 122 003
• The claimant can also inform AVIVA LIFE about a death claim on their website by clicking below
• https://intranetapplications.avivaindia.com/eservicing/logindc.aspx?
• Write to AVIVA LIFE at customerserivces@avivaindia.com
• The customers and claimants can also approach their Branch offices. Their Branch office personals are well versed with the claim process and documentation.
• https://www.avivaindia.com/contact-us

Step 1: Complete the claim form

• Complete the appropriate form depending upon which claim is to be made. Different forms are to be filled for claims against riders, death, hospital cash benefit, group term insurance and gratuity. All details with respect to client id, policy number, policy holder name, etc. should be duly filled.

Step 2: Arrange for appropriate documents

• Based on the claims made, appropriate documents need to be provided. Documents can be submitted in original or photocopies, attested by a Gazetted officer, Magistrate, Tahsildar or police Sub-inspector.

Step 3: Hospitalisation and Surgical Rider Benefit Claim

• In case of Hospitalisation and Surgical Rider Benefit claim, produce all medical bills and medical report issued by the attending physician qualified under law to issue such a report.

Step 4: Submit required documents along with the claim form

• Once the form is completed and documents are in place, submit them at the nearest branch office. Alternatively, you can also send your documents by post to:
• Claims Department
  Aviva Life Insurance Company India Limited
  Aviva Towers, Sector 43,
  Opposite DLF Golf Course,
  Sector 43,
  Gurgaon 122003
  Visit their nearest branch which can be located at the following link –
  https://www.avivaindia.com/contact-us
• Link to claims section on website - https://intranetapplications.avivaindia.com/eservicing/logindc.aspx?_ga=2.189050603.1944538818.1542262827-236801977.1540206176

Grievance Redressal

1. Death Claim

• Original Policy Document
• Completely filled & Countersigned Claim Form
• Nominee ID proof establishing relationship with life insured
• Copy of death certificate issued by local authority
• Address Proof of the Nominee
• Medical Records (admission notes, discharge summary, test reports etc)
• Last Medical Attendance Report (LMA)
• Post Mortem Report ,if post mortem done
• FIR / Police Report if case filed with Police
• Panchnama / Inquest Report if case filed with Police
• Saving Bank Account Number
• Newspaper Cuttings
• Contact number of Claimant
• Existence Certificate
• PAN card of payee

2. Hospital Cash Benefit

• Original Policy Document
• Completely filled & Countersigned Claim Form
• Nominee ID proof establishing relationship with life insured
• Medical Records (admission notes, discharge summary, test reports etc)
• FIR / Police Report if case filed with Police
• Panchnama / Inquest Report if case filed with Police
• Saving Bank Account Number
• Contact number of Claimant
• PAN card of payee

3. Accidental Death/Permanent Total Disability Claim

• Original Policy Document
• Completely filled & Countersigned Claim Form
• Nominee ID proof establishing relationship with life insured
• Address Proof of the Nominee
• Medical Records (admission notes, discharge summary, test reports etc)
• Last Medical Attendance Report (LMA)
• Post Mortem Report ,if post mortem done
• FIR / Police Report if case filed with Police
• Panchnama / Inquest Report if case filed with Police
• Saving Bank Account Number
• Newspaper Cuttings
• Contact number of Claimant
• PAN card of payee

* Only if death has occurred

4. Survival Benefit

• Completely filled & Countersigned Claim Form
• Saving Bank Account Number
• Contact number of Claimant
• PAN card of payee

5. Maturity Benefit

• Original Policy Document
• Completely filled & Countersigned Claim Form
• Nominee ID proof establishing relationship with life insured
• Saving Bank Account Number
• Contact number of Claimant
• PAN card of payee

6. Annuity

• Savings Bank Account Number
• Contact Number of claimant
• Existence certificate
• PAN card of payee

Step1 -

• Visit the nearest branch which can be located at www.bajajallianzlife.com/branch-locator.jsp with the following documents -
• 1. Intimation letter
• 2. Death Certificate
• 3. KYC of Nominee
• 4. Bank details of the nominee
• 5. Original Policy Bond

Step 2

• Claim is registered under acknowledgement and the claimant will be provided with a set of other claims documents required for processing the claim

Step 3

• Requirements will be communicated, and a dedicated team follows up, assists the claimants

Step 4

• Once all the documents from the claimants are received and after necessary assessments, all genuine claims will be settled for payments

Step 5

• Claim decision will be informed to claimant by SMS and a detailed letter will be sent to the claimant’s address

Link to claims section on Bajaj Life Website https://www.bajajallianzlife.com/claim-assistance.jsp

Grievance Redressal Mechanism

1. Natural Death

• Intimation Letter from the nominee.
• Original Death Certificate issued by Births and Death Registrar.
• ID proof & Address proof of nominee (original required for verification at Bajaj Branch Office)
• Original Policy Bond.
• Claimant can submit either of the Bank A/c Details as mentioned below -
• Cancelled cheque (Name of the claimant should be printed on the cheque leaf)
• ECS/EPM (Electronic clearing system/Electronic Payment Mandate) (Should be signed and attested by the Bank Manager)
• Bank pass Book Copy of nominee (Name of the claimant should be printed on the bank passbook)

Note

• If any nominee submits a Bank Pass book of a Grameen Bank even if it has IFSC code of a nationalized bank, please submit an alternate Bank Passbook Copy other than a Grameen Bank. A/c should be NEFT enabled.
• If a Bank Pass book copy which has an A/c limit, please submit an alternate Bank pass book or increase the Limit based on the Sum Assured mentioned in your policy bond.

2. Unnatural Death

• Intimation Letter from the nominee.
• Original Death Certificate issued by Births and Death Registrar.
• ID proof & Address proof of nominee (original required for verification at Bajaj Branch Office)
• Original Policy Bond.
• Claimant can submit either of the Bank A/c Details as mentioned below -
• Cancelled cheque (Name of the claimant should be printed on the cheque leaf)
• ECS/EPM (Electronic clearing system/Electronic Payment Mandate) (Should be signed and attested by the Bank Manager)
• Bank pass Book Copy of nominee (Name of the claimant should be printed on the bank passbook)
• First Information Report (FIR)
• Post-Mortem report (PMR)
• Viscera/Chemical Analysis report
• Police Final report /Inquest report
• Judicial Magistrate Final Verdict on Police Final Report (in case opinion on cause of Death is mentioned as pending in the PMR.
• News Paper Cutting which mentions the incident.

3. Rider Claim

• Intimation Letter from the Life Assured.
• Discharge Summary/Hospital Bills /Case Sheets (Diagnosis)
• Pan Card
• ID proof & Address proof of Life Assured (original required for verification at Bajaj Branch Office)
• Cancelled cheque/ NEFT form / Bank pass Book Copy. IFSC code mandatory same is a NEFT payout (Please refer to details in Part I)
• Photograph of Life Assured incase of a Partial /Total Permanent Disability Claim.
• First Information Report (FIR) to be submitted in case of Partial /Total Permanent Disability Claim caused due to accident.

4. Maturity Claim

• Photo ID proof & Address Proof of policyholder - (Self Attested Copy)
• PAN Card
• Bank Documents for NEFT - Copy of cancelled cheque of policy holder (where name and IFSC Code is printed) or copy of Printed Bank Passbook.
• Foreign Account Tax Compliance Act (FATCA) Form (In case of NRI policies)
• Annuity Form (In case of Pension Products)

Step 1 -

• Inform Bharti AXA in 5 easy ways:
• a) Walk to nearest branch of Bharti AXA Life
• b) Call Bharti AXA life toll free on 1800-102-4444 (9.00am to 7.00pm)
• c) Email Bharti AXA at: claims@bharti-axalife.com
• d) Fill the details to get a call back - https://www.bharti-axalife.com/contact-us/call-me-now
• e) Register Online https://online.bharti-axalife.com/OnlineClaims

Step 2-Document Submission & verification

• Visit the branch to submit your documents or submit the documents online - https://online.bharti-axalife.com/OnlineClaims/Claim/ClaimSearch

Step 3

• If any further documents are required the company will inform you. Regular updates will be sent through letters, SMS and emails.

Step 4

• The company targets to process the claim in 5 working days. However, if the claim requires an investigation, the regulator gives insurer up to 6 months to make a decision.

Link to claims section on the website - https://www.bharti-axalife.com/claims/know-your-claims

Grievance Redressal

a) Group Death Claim

Following are the list of documents that we will require to process a Death Claim

• Death Claim Form dully filled and signed by Master Policy Holder and Nominee.
• Copy of Death Certificate duly attested by Master Policy Holder
• Certificate of Insurance
• Personalized cancelled cheque of the Nominee

Additional Documents if death is due to accident/suicide/murder:

• Copy of FIR
• Copy of Post Mortem Report

Additional Documents for non-accidental death:

• Copy of Medico Legal Cause of Death certificate
• Copy of Medical Records (Discharge / Death Summary, Admission notes, Test Reports including past medical records
• Treating Doctor's Certificate (open link to download)

b) Death Claim

Following are the list of documents that we will require to process a Death Claim Mandatory Documents for all claims:

• Original Policy Bond
• Claimant's Statement Form
• Copy of self-attested Death Certificate issued by local Authority
• Copy of Photo identity proof & Residence address proof of the nominee
• Copy of Bank passbook of the nominee & personalized cancelled cheque

Additional Documents if death is due to accident/suicide/murder:

• Copy of FIR
• Copy of Post Mortem Report

Additional Documents for non-accidental death:

• Copy of Medico Legal Cause of Death certificate
• Copy of Medical Records (Discharge / Death Summary, Admission notes, Test Reports including past medical records
• Treating Doctor's Certificate (open link to download))
• Employer Certificate (open link to download)

c) Waiver of Premium and Health Rider Claim

Following are the list of documents we will require to process a claim under Critical Illness Rider, Triple Health Plan and Premium Waiver Benefit Rider.

• Original Policy Document
• Claimant's Statement
• Bank passbook of the claimant and cancelled cheque
• Copy of medical records (Admission notes, discharge summary, test reports including past medical records)
• Treating Doctor's Certificate(open link to download))
• Employer Certificate (open link to download)

d) Hospitalisation Claim

Following are the list of documents we will require to process a Hospitalisation Claim:

• Copy of Policy Certificate
• Claimant's Statement Form
• Copy of medical records (Final Hospital Bill, Admission notes, discharge summary, test reports including past medical records)
• Treating Doctor's Certificate (open link to download)

Step 1

• The nominee/ claimant can intimate about the claim by filling the Death Claim Form and sending it to Canara HSBC OBC at their head office /nearest bank branch/our offices along with a duly attested photo ID and address proof of the claimant.

Link to claims section on Website – www.canarahsbclife.com/lifeinsurance/portal/canh/home/claims/get-claim-assistance

Grievance Redressal

1. Natural Death

• Original policy document
• Death Certificate issued by Municipal authorities
• Copy of Bank Pass Book/ Cancel Cheque
• Hospital / Other treatment records
• Photo Identification & address proof of the claimant
• Post-mortem & chemical viscera report (if performed)
• Physician's Statement.

2. Unnatural / accidental deaths

• Original policy document
• Death Certificate issued by Municipal authorities
• Copy of Bank Pass Book/ Cancel Cheque
• Hospital / Other treatment records
• Photo Identification & address proof of the claimant
• Post-mortem & chemical viscera report (if performed)
• Physician's Statement.
• Police reports (FIR, Panchnama, Police investigation report)
• Newspaper cutting (if any)(Detailing the incident)

Step 1 – Intimate the company about the claims through –

• Visit their nearest branch which can be located at the following link – www.dhflpramerica.com/locateus
• Upon intimation, the company will send out an acknowledgement letter along with other details within 3 working days.

Step 2

• Fill the claims form in legible/visible letters.

Step 3

• Submit it along with the required documents addressed to company’s Claim helpdesk at –

• 1. DHFL Pramerica Branches
• 2. Claims Department, DHFL Pramerica Life Insurance,
• 4th Floor, Building No. 9, Tower B, Cyber City, DLF City Phase 3, Gurgaon, 122002,Haryana
• Link to claims section on DHFL Pramerica Life Website - www.dhflpramerica.com/Claims/Claim

Step 4

• Claims processing will start as soon as the company receives the Claim form and documents. Company’s representative may get in touch with you for further information. Claims decision will be communicated to you within 30 days’ of receipt of complete documentation.

Grievance Redressal

Mandatory documents of Life Insured:

• Completely filled Death Claim Form
• Death Certificate (A)
• Original Policy Document

Accidental Death

• FIR (A)
• Post-Mortem Report (A)

Mandatory documents of Nominee

• Photo Identification Proof, Address Proof and Relationship Proof with LA (A)
• Original Cancelled Cheque bearing name OR
• Photocopy of Passbook or Bank Statement (Bank Attested/ OSV by DPLI Branch Operations) (not more than 3 months old)

Additional documents

Non-Accidental Death Claim

• Last Medical Attendants Report
• Hospital treatment records (A)
• Admission note, Discharge/ Death Certificate summary from Hospital/Nursing Home / Clinic etc.
• All records from date of admission till date of death
• Hospital Authority Letter
• Cremation Certificate

Accidental Death Claim

• Newspaper cuttings (A)
• Police Inquest Report / Panchnama
• Final Police Investigation Report

For Salaried:

• Employer Leave records for last year

• Step 1 – Customer downloads claims intimation form from HDFC Life’s website or collects the same at HDFC Life’s branch or writes to HDFC Life
• Step 2 – Claim intimation form/letter received by HDFC Life
• Step 3 – HDFC Life sends a letter (with a list of documents required) to the claimant
• Step 4 – Complete set of documents and information are sent/submitted at the nearest HDFC Life branch by the claimant
• Step 5 – Documents are received by HDFC Life claims team and If all the documents are complete then the decision is taken on whether the claim is accepted or rejected
• Step 6 – If the claim is accepted then cheque is dispatched or NEFT is processed or if the claim is rejected then the reasons for the same are communicated to the claimant

Grievance Redressal

1. Natural Death

• Claims Form with bank account proof
• Death Certificate issued by the Government
• Claimant’s Pan Card and Aadhar Card
• Original Policy Document
• Medical records for diagnosis and treatments
• Doctor’s / Hospital’s certificate (Form)*
• Employer’s certificate (Form)* if employed

2. Unnatural Death

• Claims Form with bank account proof
• Death Certificate issued by the Government
• Claimant’s Pan Card and Aadhar Card
• Original Policy Document
• Employer’s certificate (Form)* if employed
• Police records attested by police authorities
• Post Mortem attested by hospital authorities

3. Natural Disasters

• Claims Form with bank account proof
• Death Certificate issued by the Government
• Claimant’s Pan Card and Aadhar Card

Group Claims Documents

Natural Death

• 1. Claim Form
• 2. Member Information/Enrollment Form
• 3. Death Certificate
• 4. Nominee NEFT details
• 5. Current & Past medical records

Accidental Death

• 1. Claim Form
• 2. Member Information/Enrollment Form
• 3. Death Certificate
• 4. Nominee NEFT detail
• 5. Current & Past medical records
• 6. Police Records (FIR, Panchnama etc.)
• 7. Post mortem report from hospital

Step 1 -

• The first step involves reporting your claims. You can report your claims online, at ICICI Prudential branches or through an SMS as per your convenience.
• Email – lifeline@iciciprulife.com
• Call – 1860-266-7766
• SMS – ‘ICLAIMPolicy Number’ to 56767
• Visit their nearest branch which can be located at the following link – https://www.iciciprulife.com/contact-us/our-network.html
• Write to them at –
• 1st Floor, C wing, Office No. 115, 116, 117, BSEL Tech Park,
  Opp. Vashi Station, Sector 30, Vashi,Navi Mumbai - 400706.

Step 2 -

• Company’s ClaimCare team then scrutinizes your claim details and guides you, individually, at every step of the way.
• The ClaimCare team will assess your claim, inform you in case any documents are pending and raise a requirement. Should you need any help, company’s claim experts will guide you.

Step 3

• Once your claim is intimated and company receives all the relevant documents, they will settle your claim. Moreover, in order to secure your settlement amount, reduce documentation and ensure your convenience, they use electronic modes of transfer for settling your claim.
• Link to claims section on ICICI Prudential Life Website – www.iciciprulife.com/insurance-claim.html

Grievance Redressal

Mandatory Documents

• Claimant's statement / Claim intimation form
• Copy of Death certificate issued by Local Municipal Authority
• Copy of Claimant's Photo Identification Proof & Current Address Proof
• Cancelled Cheque

Additional Documents for Non-Accidental Death

• Copy of Medico Legal Cause of Death Certificate
• Copy of Medical Records (Admission Notes, Discharge/ Death Summary, Test Reports etc.)
• Medical Attendant's/ Hospital Certificate to be filled by the treating doctor
• Certificate from Employer (for salaried individuals)

Additional Documents for Accidental Death

• Copy of FIR/ Panchnama/ Inquest Report & Post Mortem Report for accidental death & suicide cases
• Copy of Driving License if Life Assured was driving the vehicle at the time of accident (Applicable if 'Accident and Disability Benefit Rider' is opted)

Step 1

• Intimate the company about your claim through the following mediums -
• Email – kli.claimsmitra@kotak.com
• Call – 022- 66057280, 1800-209- 8800 (Toll Free)
• Visit their nearest branch which can be located at the following link – https://insurance.kotak.com/how-do-i/locate-kotak-branches
• Write to them at –
• Kotak Mahindra Old Mutual 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

Step 2 -

• Gather all the important documents for claim processing

Step 3

• Submit all the important documents at the nearest branch

Step 4

• Receive SMS confirmation regarding your claims details

Link to claims section on Kotak Life Website – https://insurance.kotak.com/how-do-i/file-claim

1. Natural Death

• Duly-filled Death Claim Intimation Form
• Original policy documents
• Original death certificate issued by municipality or equivalent authority
• Claimant’s photograph, current address proof and photo ID proof
• Claimant’s copy of bank passbook / statement with bank account details
• Medical certificate stating cause of death
• Medical records (consultation notes, treatment records, admission notes, hospital indoor papers, discharge/ death summary, investigation reports, etc)
• Medical questionnaire
• Copy of certified post-mortem report/ chemical analysis report (viscera)

2. Unnatural Death

• Duly-filled Death Claim Intimation Form
• Original policy documents
• Original death certificate issued by municipality or equivalent authority
• Claimant’s photograph, current address proof and photo ID proof
• Claimant’s copy of bank passbook / statement with bank account details
• Medical certificate stating cause of death
• Medical records (consultation notes, treatment records, admission notes, hospital indoor papers, discharge/ death summary, investigation reports, etc)
• Copy of certified first information report/ inquest/ Panchnama (translation mandatory in the case of vernacular language)
• Copy of certified post-mortem report/ chemical analysis report (viscera)
• Copy of driving license if the insured was driving the vehicle at the time of accident

3. Permanent Disability Claim

• Duly-filled Rider Claim Intimation Form
• Original policy documents
• Life Insured’s photo, current address proof and photo ID proof
• Medical records (consultation notes, treatment records, admission notes, hospital indoor case papers, discharge summary, investigation reports, etc )
• Life Insured’s copy of bank passbook / statement with bank account details
• Medical questionnaire / physician statement to be completed by the doctor/hospital treating the life insured
• Copy of certified first information report/ inquest/ Panchnama (translation mandatory in the case of vernacular language)
• Copy of driving license if the life insured was driving the vehicle at the time of accident
• Disability certificate from the relevant government authority

Step 1 -

• Claim can be intimated by providing written information through –
• Email - claims.support@maxlifeinsurance.com
• Call - 1860-120-5577
• Nearest Max Life Insurance company office - www.maxlifeinsurance.com/contact-us
• Link to claims section on Max Life Website - www.maxlifeinsurance.com/claims-centre
• By sending written information at:
  Max Life Insurance Operations Centre-–
  Claims Department,
  Max Life Insurance Company
  Operations center, - 2nd floor
  90A, Sector 18, Udyog Vihar,Gurgaon-122015, India
• Dedicated claims relationship officer assigned for each and every death claim to guide claimants/beneficiaries at each and every steps of the claims process.

Step 2 -

• Documents are submitted at the nearest branch or emailed to the company’s office

Step 3

• All claims are examined by the company on the basis of information present in documents submitted by you in connection with the claim

Step 4

• As per regulations, all valid claims are to be settled within 30 days after all necessary documents /clarifications have been received. In case, the claim warrants further verification, it may take upto 180 days to settle the claim. Subsequently, when a decision is taken, it is communicated to the claimant.

Grievance Redressal

Mandatory documents required

• Original policy documents
• Original/attested copy of death certificate issued by local municipal authority
• Death claim application form (Form A)
• NEFT mandate form attested by bank authorities along with a cancelled cheque or bank account passbook
• Nominee's photo identity proof such as copy of Passport, PAN card, Voter identity card, Aadhar (UID) card, etc.

Additional documents required on basis of cause of death

• Medical/Natural death:
• Attending physician's statement (Form 'C')
• Medical records (admission notes, discharge/death summary, test reports, etc.)
• Accidental/Unnatural death:
• Copy of the First Information Report (FIR) or Panchanama/Police complaint
• Copy of Post Mortem report (PMR)/Autopsy and Viscera report
• Copy of the Final Police Investigation report (FPIR)/Charge sheet4

Link for downloading the documents - www.maxlifeinsurance.com/downloads

Health Claims

• Health claim application form (Details of forms available under claim forms section)
• Attending physician's statement
• Attested copies of all medical records
• NEFT mandate form

Cancer Claims

• Cancer Insurance Claim Form - Form CA
• NEFT Form

Step 1

• Intimate SBI Life about the claim through –
• Email – claims@sbilife.co.in
• Call – 1800-22-9090
• Visit their nearest branch which can be located at the following link – https://www.sbilife.co.in/en/about-us/contact-us
• Write to them at –
• SBI Life Insurance Co. Ltd,
  8th level Seawoods Grand Central, Tower 2,
  Sector 40, plot No.R-1, Seawoods, Nerul,
  Navi Mumbai- 400706

Step 2 -

• Send the duly filled claim form along with the supporting documents to the company’s address.
• Or Submit the dully filled claim form along with the supporting documents at your nearest SBI Life branch.
• Or Email them or visit your nearest SBI Life branch

Step 3

• All claims will be assessed based on the claim documents that you/your family will submit and the information that the life Assured provided to the company in the proposal form.
• Once a claim decision is taken, the claim amount will be released as per the terms and conditions of the policy.
• Link to claims section on SBI Life Website – www.sbilife.co.in/en/services/claims-and-maturity

Grievance Redressal

Claim Documents

• Claim Form
• Original Policy Document
• Original or Attested* Death Certificate issued by local authority
• Claimant’s current address proof
• Claimant’s photo ID proof
• Direct Credit Mandate form (download sign) Claimant’s Valid bank passbook/statement or Cancelled Cheque with pre-printed Name and pre-printed Bank account number

Additional Documents

• Medical attendant’s certificate
• Hospital treatment certificate
• Employer’s certificate (for salaried individuals)
• Copy of FIR/Punchnama Report/Post Mortem#
• Copy of Inquest Report/Police Final Report/Chemical Analysis Report/Magistrate’s verdict

• In case TDS is applicable and customer is residing in a country where DTAA is applicable, the following documents can be submitted by the customer to avail DTAA benefit for exemption from tax.

• Tax Residency Certificate
• Form 10F
• Residency Proof issued by the government of the country in which customer is staying

Individual Maturity

• Original Policy Document
• Maturity Discharge Voucher
• Life Assured’s current address proof
• Life Assured’s ID proof
• Direct Credit Mandate form
• Life Assured’s Valid## Bank pass book/bank statement/crossed cheque
• Pan Card (if TDS is applicable as per Section 194DA of the Income Tax Act, 1961)

Pension Maturity

• Original Policy Document
• Maturity Discharge Voucher
• Option Sheet (available in SBI Life Branch 3 months before the due date)
• Life Assured’s current address proof
• Life Assured’s ID proof
• Direct Credit Mandate form (download sign)Life Assured’s Valid## Bank pass book/bank statement/crossed cheque
• Pan Card (if TDS is applicable as per Section 194DA of the Income Tax Act, 1961)*

Annuity (Individual and Group)

• Certificate of Existence

Survival Benefits

• Life Assured’s current address proof#
• Life Assured’s ID proof#
• Direct Credit Mandate form
• Life Assured’s Valid## Bank pass book/bank statement/crossed cheque
• Pan Card (if TDS is applicable as per Section 194DA of the Income Tax Act, 1961)*
• *Applicability of Section 194DA of the Income Tax Act, 1961
• For Policies with Date of Commencement between 01/01/2003 to 31/03/2012 and Annual Premium exceeds 20% of Base Cover or
• For Policies with Date of Commencement 01/04/2012 and onwards and Annual Premium exceeds 10% of Base Cover or
• If the total payouts (SB / Maturity / Surrender / Partial Withdrawal) under all policies taken together, in one financial year is 1 Lakh< Above

• Step 1- Contact the company through –
• Toll free number – 1800-103-2292
• Email – claims@bhartiaxa.com
• Step 2 – Submit the relevant documents to the company
• Step 3 – The claims will be scrutinized and processed by the company.

Grievance Redressal

• Claim form duly signed along with attending physician statement
• Photocopy of the discharge summary and final bill
• Photocopy of the investigation report which confirms the diagnosis, e.g. CAG report in case of Coronary artery disease/ Bypass Surgery or biopsy report in cancer cases.
• Medical certificate which states details of the treatment and fitness

Step 1

• Step 1 – Notify the company on their helpline number – 1800-2-700-700
• Step 2 – Submit the relevant documents for processing your claim
• Step 3 – Based on your documentation company will notify you if any further proofs are required
• Step 4 – Your claim will be processed

Grievance Redressal

• Duly filled and signed claim form.
• Photocopy of ID card.
• A medical certificate confirming the diagnosis of critical illness from a doctor not less qualified than MD/MS.
• Investigation reports/ other related documents reflecting the critical illness diagnosis.
• Original detailed discharge summary / day care summary from the hospital

• Step 1- Doctor advises hospitalisation
• Step 2- Intimate your claim
• Step 3 – Visit network hospital for the treatment
• Step 4 – Hospital’s TPA desk contact company for arranging cashless treatment

Grievance Redressal

• Completely filled and duly signed Claim Form
• Consultant’s certificate with diagnosis (including date when symptoms first occurred)
• Relevant Investigation reports (Radiology, Pathology etc.) confirming the diagnosis
• Original medical bills and receipts (from hospital, doctors, medical shops or diagnostic center, all supported by doctor's advice)
• Hospital admission & discharge card/ certificate
• Cancelled Cheque – CTS 2010 format (Printed account number, IFSC code and Printed name of insured). In case, insured’s name is not printed on the canceled cheque, provide scanned copy of 1st page of passbook or bank statement.
• Photocopy of identification card of patient & PAN card of insured

Step 1 -

• Intimate ABLSI regarding your claim settlement via the following ways –
• a) Online
• b) Email – claims.lifeinsurance@adityabirlacapital.com
• c) Visit claims department/Branch office. You can locate the branch office from the following link - https://lifeinsurance.adityabirlacapital.com/Pages/Unsecure/LI/INDV/Home/Locator.aspx
• d) Call Toll Free - 1800-270-7000
• e) Intimate the Claims Dept with the claim documents at below mentioned address:
  Claims Dept,
  Aditya Birla Sun Life Insurance Company Limited
  G Corp Tech Park,
  5th & 6th Floor,
  Kasar Wadavali, Ghodbunder Road,
  Thane - 400 601.

Step 2 -

• Once all the mandatory documents are received the claims team scrutinizes each claim documents in detail. In case of any pending documents requirement is communicated.

Step 3

• IF the claim is accepted the payment is made to the beneficiary or If it is rejected communication providing reason is sent to beneficiary.

Grievance Redressal Mechanism

CI Rider/CI Plus / Waiver of Premium CI/Lady Rider

• Critical Illness Claimant's Statement with KYC - ID Proof / Relationship Proof
• Critical Illness Hospital Treatment Certificate
• Critical Illness Family Physician's Certificate
• Certificate by Employer
• Original Policy Document / Indemnity Bond (In case Original Policy document is lost)
• Medical Reports

Step 1

• Call Aegon Life’s toll-free Customer Service Helpline number 1800-209-9090
• Visit their nearest branch and submit a death notice with a copy of the death certificate. It can be located on the following link - https://www.aegonlife.com/locate-branch
• Online intimation at https://www.aegonlife.com
• Claim documents can be directly emailed to claims@aegonlife.com
• Send a written death notice with a copy of the death certificate to:
  Claims Department, AEGON Life Insurance Company Limited.
  Building No. 3,Third Floor, Unit No. 1,
  Nesco IT Park, Western Express Highway,
  Goregaon (East), Mumbai - 400063.
• Link to claims section on Aegon Life Website - www.aegonlife.com/customer-service/claims

Step 2

• Aegon Life will payout the fund value accrued under the policy to the beneficiaries as on the date of intimation of death (I.e. upon submission of all the documents mentioned in the requirement list as per the type of claim)

Step 3

• - Upon receipt of the complete set of documents (as mentioned in the requirement list), Aegon Life will commence the claims process immediately. In case of any clarifications / further requirements, they will get in touch with you. Upon verification of the documents, if all the documents as per the requirements are received and are found to be in order, they will release the balance/ complete death/ rider benefit amount to you/ beneficiary subject to all other terms and conditions of the contract being fulfilled.

Grievance Redressal

• • Death certificate (original or self-attested copy) issued by municipal corporation under section 12/17
• • One passport size color photo of the claimant
• • Passbook copy and Cancelled cheque stating the claimant's (Nominee) or life assured account number (as applicable)
• • ID and residential proof of the claimant.
• • Relationship proof (wherever applicable)
• • ALIC Critical Illness Claim Application Form
• • ALIC Critical Illness Attending Physician Statement
• • ALIC Critical Illness Hospital Treatment Certificate
• • All Medical reports from the first date of diagnosis to the last treatment received date.

• In the unfortunate event of a critical illness, hospitalization, disability or death, please contact Customer Services Helpline at 1800-103-7766 or
• Write to AVIVA LIFE at:
  Claims Department
  Aviva Life Insurance Company India Ltd.
  Aviva Tower, Sector 43,
  Opposite DLF Golf Course,
  Gurgaon - 122 003
• The claimant can also inform AVIVA LIFE about a death claim on their website by clicking below- https://intranetapplications.avivaindia.com/eservicing/logindc.aspx?
• Write to AVIVA LIFE at customerserivces@avivaindia.com
• The customers and claimants can also approach their Branch offices. Their Branch office personals are well versed with the claim process and documentation. www.avivaindia.com/contact-us

Step 1: Complete the claim form

• Complete the appropriate form depending upon which claim is to be made. Different forms are to be filled for claims against riders, death, hospital cash benefit, group term insurance and gratuity. All details with respect to client id, policy number, policy holder name, etc. should be duly filled.

Step 2: Arrange for appropriate documents

• Based on the claims made, appropriate documents need to be provided. Documents can be submitted in original or photocopies, attested by a Gazetted officer, Magistrate, Tahsildar or police Sub-inspector.

Step 3: Hospitalisation and Surgical Rider Benefit Claim

• In case of Hospitalisation and Surgical Rider Benefit claim, produce all medical bills and medical report issued by the attending physician qualified under law to issue such a report.

Step 4:Submit required documents along with the claim form

• Once the form is completed and documents are in place, submit them at the nearest branch office. Alternatively, you can also send your documents by post to:
• Claims Department
  Aviva Life Insurance Company India Limited
  Aviva Towers, Sector 43,
  Opposite DLF Golf Course,
  Sector 43,
  Gurgaon 122003
  Visit their nearest branch which can be located at the following link – https://www.avivaindia.com/contact-us
• Link to claims section on website - https://intranetapplications.avivaindia.com/eservicing/logindc.aspx?_ga=2.189050603.1944538818.1542262827-236801977.1540206176

Grievance Redressal

CI Claim/ Hospital Cash Benefit

• Original Policy Document
• Completely filled & Countersigned Claim Form
• Nominee ID proof establishing relationship with life insured
• Medical Records (admission notes, discharge summary, test reports etc.)
• FIR / Police Report if case filed with Police
• Panchnama / Inquest Report if case filed with Police
• Saving Bank Account Number
• Contact number of Claimant
• PAN card of payee

Step 1 -

• Inform Bharti AXA in 5 easy ways:
• a) Walk to nearest branch of Bharti AXA Life
• https://www.bharti-axalife.com/contact-us/branch-locator
• b) Call Bharti AXA life toll free on 1800-102-4444 (9.00am to 7.00pm)
• c) Email Bharti AXA at: claims@bharti-axalife.com
• d) Fill the details to get a call back - https://www.bharti-axalife.com/contact-us/call-me-now
• e) Register Online https://online.bharti-axalife.com/OnlineClaims

Step 2 -

• Document Submission & verification Visit the branch to submit your documents or submit the documents online - https://online.bharti-axalife.com/OnlineClaims/Claim/ClaimSearch

Step 3

• If any further documents are required the company will inform you. Regular updates will be sent through letters, SMS and emails.

Step 4

• The company targets to process the claim in 5 working days. However, if the claim requires an investigation, the regulator gives insurer up to 6 months to make a decision.
• Link to claims section on the website - https://www.bharti-axalife.com/claims/know-your-claims

Grievance Redressal Mechanism

Following are the list of documents we will require to process a claim under Critical Illness Rider –

• Original Policy Document
• Claimant's Statement
• Bank passbook of the claimant and cancelled cheque
• Copy of medical records (Admission notes, discharge summary, test reports including past medical records)
• Treating Doctor's Certificate(open link to download))
• Employer Certificate (open link to download)

Step 1

• Intimate the company about the claims through –
• Online claim intimation at – https://www.pramericalife.in
• Email – https://www.pramericalife.in/Claims/Claim
• Call – 1800-102-7070
• Visit their nearest branch which can be located at the following link – https://www.pramericalife.in/locateus
• Upon intimation, the company will send out an acknowledgement letter along with other details within 3 working days.

Step 2 -

• Fill the claims form in legible/visible letters.

Step 3

• Submit it along with the required documents addressed to company’s Claim helpdesk at –
• 1. DHFL Pramerica Branches
• 2. Claims Department, DHFL Pramerica Life Insurance,
• 4th Floor, Building No. 9, Tower B, Cyber City, DLF City Phase 3, Gurgaon, 122002, Haryana
• Link to claims section on DHFL Pramerica Life Website - https://www.pramericalife.in/Claims/Claim

Step 4

• Claims processing will start as soon as the company receives the Claim form and documents. Company’s representative may get in touch with you for further information. Claims decision will be communicated to you within 30 days ‘of receipt of complete documentation.

Grievance Redressal

• Completely filled Death Claim Form
• Death Certificate (A)
• Original Policy Document
• Critical Illness Claim Form
• All past and current Discharge Summary
• All past and current medical/ hospital records - consultation notes, admission notes and test reports

• Step 1 – Customer downloads claims intimation form from HDFC Life’s website or collects the same at HDFC Life’s branch or writes to HDFC Life
• Step 2 – Claim intimation form/letter received by HDFC Life
• Step 3 – HDFC Life sends a letter (with a list of documents required) to the claimant
• Step 4 – Complete set of documents and information are sent/submitted at the nearest HDFC Life branch by the claimant
• Step 5 – Documents are received by HDFC Life claims team and If all the documents are complete then the decision is taken on whether the claim is accepted or rejected
• Step 6 – If the claim is accepted then cheque is dispatched or NEFT is processed or if the claim is rejected then the reasons for the same are communicated to the claimant

Grievance Redressal

• Critical Illness claim form with bank account proof
• Medical records, reports of diagnostic tests, hospital treatment records for illness
• Original Policy Document
• Claimant's Pan card and Aadhar card

• Step 1 - Get admitted to any one of company’s network hospitals.
• Step 2 - Use your Max Bupa Health Card or share your Policy number and Passport / PAN card / voter’s ID for identification purposes
• Step 3 - The Network Hospital will check your identity for validation and submit the pre-authorisation request form to the company
• Step 4 - Company will review and provide confirmation to the Network Hospital by fax and E-mail and also send a text message and an E-mail confirming the same to you. Company will respond to your request within 30 Minutes
• Step 5 - Company will settle the claim (as per policy terms & conditions) with the hospital after completion of all formalities

Grievance Redressal

• Duly filled and signed claim form and KYC documents
• Final Hospital Discharge Summary in original/self attested copies if the originals are submitted with another
• insurer, if applicable
• Final Hospital Bill in original/self attested copies if the originals are submitted with another insurer, if applicable
• Consultation notes and/or investigation reports from outside the hospital prior to hospitalization
• First consultation note and all medical record since onset of complaint
• Copy of First Information Report (FIR) (if CritiCare being claimed for is admissible in event of an Accident)
• Copy of Medico Legal Certificate duly attested by the concerned hospital (if CritiCare being claimed for is admissible in event of an Accident) if applicable