This document provides tips for filing insurance claims in a hassle-free manner. It advises policyholders to contact their insurance agent or insurer directly if they need help filing a claim. It lists the documents required for life insurance death claims, such as the original policy bond, death certificate, medical records, and beneficiary identification. It stresses the importance of paying premiums regularly, providing only factual information, cooperating with investigations, and filing claims on time with complete documentation to ensure claims are settled smoothly. It also notes that policyholders can approach the Insurance Ombudsman if they have grievances about claims.

1. Securing a hassle free
Insurance Claim

2. 
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…

3. Steps to be Followed

4. Ensure a Hassel Free Claims Process

5. 
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 





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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

6. 
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

7. Grievance Redressal

8. 
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

9. 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.

10. Thank You