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  • How to File for Claim Settlement after Losing your Documents?

    Life Insurance
    • Premiums as low as Rs.17/day for sum assured of Rs.1 crore*
    • Claim up to Rs. 1,50,000 deduction under section 80C**
    • Choose between annual and monthly premium payment options

    Filing a life insurance claim is a simple process if you have all the relevant documents in your possession. In this case, all you have to do is contact the company about the claim and submit the necessary document proofs. However, the process gets much harder if you don’t have any of the relevant documents in your possession. During natural calamities and other related circumstances, documents and identity proofs get damaged or misplaced quite often. Insurance companies allow customers to get their claim amount even during these situations.

    Claim intimation

    Before you proceed with the submission of relevant documents, you need to intimate the company regarding the claim. In case of life insurance claims, the company must be intimated immediately following the death of the insured. Even if you have lost all your documents due to a natural calamity, you may still access your basic policy details with the help of your PAN, date of birth, Aadhar number, etc. You need to contact the customer service department of the insurer in order to get your policy details.

    Most companies now provide online services for their customers. If you have purchased an online policy, your policy details will be there in your account. You need to simply login into your account and file the claim intimation to the insurer. You may also get all the relevant policy details associated with making the claim. Even if you have an offline policy, the insurer will have the information about your policy in the official database. This can be accessed by insurance company officials from their accounts. Hence, you may also visit the branch office of the insurer to know your policy details before filing the claim intimation.

    Documents required for death claims

    When you are filing a death claim, it is necessary to submit the following list of documents to the company along with the claim form:

    • Original policy document
    • Death certificate
    • Identity proof of the beneficiary
    • Medical certificate (if necessary)
    • Police FIR (in case of unnatural death)
    • Post-mortem report (in case of unnatural death)

    Most of the documents listed here must be collected after the death of the insured person. Insurance companies typically provide some time for the submission of documents. Policyholders can use this time to collect all these documents. The beneficiary must provide at least one identity proof while filing for a claim. If they have lost their identity cards, they may use this time to get a duplicate ID from the concerned office.

    Some of the identity proofs are very easy to obtain. For instance, you can download your Aadhar card directly from the UIDAI portal simply by entering your Aadhar number. It will be helpful if you have stored the soft copies of your identity proofs on a cloud drive which can be accessed easily with the help of your mail ID. Once you have collected a government-approved document, you can use this document as a proof to collect other proofs.

    Police complaint for missing documents

    If you have misplaced your documents, you may also file a complaint with the police and give an advertisement in a newspaper. An official complaint must be filed before you apply for a duplicate policy document from the company. This is necessary only if the documents are stolen or misplaced. If the documents are destroyed due to floods or fire, you may check with the insurer on the alternate procedure for this situation.

    Indemnity bond for loss of policy document

    If you have lost your original policy document, you may check with the company to obtain the indemnity bond of your policy document. The format of the indemnity bond can be downloaded from the life insurer’s official website. To get the indemnity bond of your life insurance policy, you may have to pay the stamp fees and the notary fees. The company may also charge some additional fee for the issuance of a duplicate certificate. If you are not sure about the process, you may check with the customer care department of your insurer and enquire about the process of obtaining the certificate.

    Conclusion

    Insurance companies require the submission of all the relevant documents while making a claim. However, if you have lost these documents, it does not mean the end of the world. As per the law, insurance companies have to honour all the relevant claims. Most companies have made the process extremely easy for customers to get the settlement amount. If you have lost your documents due to some unforeseen circumstance, you may follow the alternate steps given above and get the settlement amount in a timely manner.

    Claim Insurance after Losing Your Documents Reviews

    • LIC Life Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the JEEVAN ANAND policy with the LIFE INSURANCE CORPORATION OF INDIA where i have been using it from last 30 years. The maturity period of this policy is for long term and i am satisfied with this policy. The premium i pay on yearly once with this policy.
      Was this review helpful? 0
      , tinsukia
      Reviewed on Jan 17, 2019
    • LIC Life Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have purchased the life insurance policy with the LIFE INSURANCE CORPORATION OF INDIA where i ma using it since from last 30 years as i the policy is very good. The name of the policy is MONEY BACK policy and i pay the premium for monthly once.
      Was this review helpful? 0
      , tinsukia
      Reviewed on Jan 17, 2019
    • LIC Life Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am using the life insurance policy with the LIFE INSURANCE CORPORATION OF INDIA from last 9-10 years where the maturity period of this policy is for 35 years as the documentation process is very good. The premium i pay for yearly once.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 17, 2019
    • LIC Life Insurance
      "FANTASTIC"
      0.5 5.0/5 "Blown Away!"
      The name of the policy is MONEY BACK where i have been using it with the LIFE INSURANCE CORPORATION OF INDIA as i am using it from last 20 years. The maturity period of this policy is for 25 years and i get the money back for 5 years once and it is the good policy.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 17, 2019
    • HDFC Life Life Insurance
      "GOOD POLICY"
      0.5 3.0/5 "Satisfactory"
      The reason for taking the life insurance policy with the HDFC LIFE is because i am an existing customer of this HDFC. The customer service is very good and they are responsive. The maturity period of this policy is for 25 years as i pay the premium for yearly once.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 17, 2019
    • Bankbazaarinsurance.com Life Insurance
      "VERY GOOD PORTAL"
      0.5 5.0/5 "Blown Away!"
      It is my first time experience with the Bankbazaarinsurance.com as the portal is very good and the customer service is satisfactory with this portal. I am using it through the website as the portal is user friendly and it is hassle free to access.
      Was this review helpful? 0
      , bikaner
      Reviewed on Jan 16, 2019
    • ICICI Prudential Life Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason for taking the ICICI PRUDENTIAL life insurance policy with the where the premium i am paying on monthly basis also the policy coverage is for self and spouse. The maturity period of this policy is for 30 years with this policy.
      Was this review helpful? 0
      , bikaner
      Reviewed on Jan 16, 2019
    • LIC Life Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The name of the life insurance policy is JEEVAN ANAND where i am holding it with the LIFE INSURANCE CORPORATION OF INDIA and i am using JEEVAN ANAND since from last 8 years. The premium i pay 12090 rupees and the sum assured value is 21L with this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2019
    • Bankbazaarinsurance.com Life Insurance
      "CONVENIENT PORTAL TO USE"
      0.5 3.5/5 "Pretty good"
      It is my first time experience with the Bankbazaarinsurance.com where the application is very good and i am using it since from last few months and i am using it through the mobile application. The customer service is very good and they are responsive.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2019
    • Aegon Life Life Insurance
      "GOOD"
      0.5 4.5/5 "Excellent!"
      It is with the good claim ration with the premium which is lower than others when compared so i have taken the life insurance policy with the AEGON LIFE. Premium i pay on monthly once with this policy also they are giving the good benefits. Coverage is for self and it is the term plan.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2019
    • LIC Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am not aware of the name of the life insurance policy with the LIFE INSURANCE CORPORATION OF INDIA but the maturity period of this policy is 30 years. I am using it since from last 7 years, the premium i am paying on yearly basis with this policy. It gives the accidental benefits also the life coverage.
      Was this review helpful? 0
      , deoghar
      Reviewed on Jan 16, 2019
    • Bankbazaarinsurance.com Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      My experience with the Bankbazaarinsuranc policy is for the very first time as i am using it through the website as the portal is user friendly also it is hassle free to access. The customer support is very good also the customer service with this portal.
      Was this review helpful? 0
      , deoghar
      Reviewed on Jan 16, 2019
    • ICICI Prudential Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason for taking the life insurance policy with the ICICI PRUDENTIAL. Premium i pay on monthly basis and also the policy coverage is for only self. The maturity period is for 25years approximately with this life insurance policy.
      Was this review helpful? 0
      , deoghar
      Reviewed on Jan 16, 2019
    • Bankbazaarinsurance.com Life Insurance
      "VERY GOOD PORTAL"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com i am using it through the website as the portal is very good an hassle free to access and it is my first time experience i am using it from last few months. The customer support is very good and they are responsive.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 16, 2019
    • Aegon Life Life Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      The AEGON LIFE insurance is suitable life insurance policy to me so i have taken this policy and the premium i am paying on monthly basis through the debit card. The policy coverage is for complete family also the maturity period is for 35 years.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 16, 2019
    • Birla Sun Life Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the life insurance policy with the BIRLA SUN LIFE INSURANCE is from last one year as the process is very good to get the insurance policy. The maturity period of this policy is for long term also the policy coverage is for complete family with this policy. The premium i pay on yearly basis.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2019
    • HDFC Life Life Insurance
      "BETTER"
      0.5 5.0/5 "Blown Away!"
      I have been using the life insurance policy with the HDFC LIFE where the documentation process is simple and easy with this policy added on that the maturity period of this policy is for long term policy which gives the policy coverage for complete family.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 16, 2019
    • review Life Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the simple investment plan with the TATA AIG GENERAL INSURANCE and using it from last 2 years. where the maturity period of this policy is for 20 years. The premium i for yearly once with this policy and the policy coverage is for self with this policy.
      Was this review helpful? 0
      , mysore
      Reviewed on Jan 16, 2019
    • review Life Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      It is the term insurance policy where i have purchased it with the TATA AIG GENERAL INSURANCE and the premium i pay on yearly once basis with this policy. The policy coverage is for self and i am using it since from last 2 years. It is the good policy to use.
      Was this review helpful? 0
      , mysore
      Reviewed on Jan 16, 2019
    • HDFC Life Life Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have purchased the life insurance policy with the HDFC LIFE where i have purchased it since from last 5 years. The premium for this policy i pay on 6 months once basis where it gives the policy coverage for my complete family. I am satisfied with this life insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2019
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