This document provides instructions on how to file various types of insurance claims. For life insurance death claims, the beneficiary must submit documents like the death certificate, policy documents, and claim form. For life insurance maturity claims, the policyholder submits a signed discharge voucher and policy to receive payment. Health insurance can be claimed on a cashless or reimbursement basis by submitting bills and forms to the insurer. Motor insurance third party claims require reporting the accident to police and insurer. For own damage claims, the insured reports accidents and gets repairs approved. Theft claims require police reports and surrendering keys. Property insurance requires reporting losses to authorities and insurers. Travel insurance claims require submitting documentation specified in the policy for accidents, baggage

1. INSURANCES CLAIMS
Vikas kumar
1st m.com

2. HOW TO CLAIM A LIFE INSURANCE
Formalities for a death claim:
1) The claim intimation should contain information like the date, place and cause of death.
2) The insurance agent has the duty to fulfil the formalities for a claim.
• The insurance company will respond to this intimation and will ask for the following
documents:
• Filled-up claim form (provided by the insurance company)
• Certificate of death
• Policy document
• Deeds of assignments/ re-assignments if any
• Legal evidence of title, if the policy is not assigned or nominated
• Form of discharge executed and witnessed

3. • Other documents such as medical attendant's certificate, hospital certificate, employer's
certificate, police inquest report, post mortem report etc.. could be called for, as
applicable.
Formalities for a maturity claim:
Where a life insurance policy is maturing,
 the insurance company will usually send intimation to the policyholder along
with a discharge voucher at least two to three months in advance of the date of
maturity giving details like the maturity amount payable
The policyholder has to sign the discharge voucher – which is like a receipt –
have his signature witnessed and send it back to the insurance company along
with the original policy bond to enable it to make the payment
like a housing loan company – the claim amount will be paid only to the
who will give the discharge

4. HOW TO CLAIM A HEALTH INSURANCE
On a Cashless basis:
• For a claim on cashless basis, your treatment must be only at a network
hospital of the Third Party Administrator (TPA) who is servicing your policy.
Claims on reimbursement basis:
• When a claim arises you should inform the insurance company as per
procedures required.
• After hospitalisation, you have to ensure that you obtain and keep ready
documents such as claim form, discharge summary, prescriptions and bills that
you should submit for a claim.

5. HOW TO CLAIM MOTOR INSURANCE
Third Party Claim:
• In a third party claim, where your vehicle is involved,
• it is important to ensure that the accident is reported immediately to
the police as well as to the insurance company
• On the other hand
If you are a victim, that is, if somebody else’s vehicle was involved, you
must obtain the insurance details of that vehicle and make an intimation
to the insurer of that vehicle.

6. Own Damage Claim:
• where your own vehicle is damaged due to an accident
• you must immediately inform insurance company and police, wherever required, to
enable them to depute a surveyor to assess the loss
• Do not attempt to move the vehicle from the accident spot without the permission
police and the insurance company
• Once you receive permission for removal of the vehicle and for repairs, you can do
• If your policy provides for cashless service, which means you do not have to pay out
of your pocket for covered damages, the insurance company will pay the workshop
directly.

7. Theft Claim:
• If your vehicle is stolen, you must inform the police and the insurance company
immediately. In addition you must keep the transport department also informed.
• As soon as you receive the policy document, read about the procedures and
documentation requirements for claims rather than wait for a claim to arise.
• If you have to make a claim, ensure that you collect all the required documents
submit them along with the requisite claim form duly filled in, to the insurance
company
• There may be certain specific documentation requirements for specific types of
claims. For instance in respect of a theft claim, there is a special requirement that
you should surrender the vehicle keys to the insurance company.

8. HOW TO CLAIM PROPERTY INSURANCES
• Whether or not a claim arises you must follow the various dos and don’ts in
respect of your property for the duration of the policy. These dos and don’ts
are termed warranties and conditions in your policy document
• In general, losses and damages, including those due to theft, fire and flood
need be intimated to the relevant authorities such as the police, the fire
brigade and so on.
• It is important to ensure that you intimate your insurance company to enable
it to send a surveyor for surveying and assessing the loss

9. HOW TO CLAIM TRAVEL INSURANCE
• A travel insurance policy is generally a package policy that includes different types
of covers like hospitalisation, personal accident, loss/ damage to baggage, loss of
passport and so on.
• The procedure and documents required for a claim would vary from cover to
cover
• All of them would be mentioned in your policy document.
• This will contain the list of documents required in case of a claim and also the
contact details including phone numbers of the claims administrator
• either in the destination country to which you are traveling or in another country
that is designated to receive and process your claim intimation

10. Thank you