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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
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      LIFE INSURANCE CORPORATION OF INDIA is the insurance provider where i have taken the JEEVAN LAKSHYA policy before 15 years and i am using it, policy premium i ma paying on yearly basis also the policy coverage is for complete family. /it also provides the accidental benefits with this policy.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken the JEEVAN LABH life insurance policy with the LIFE INSURANCE CORPORATION OF INDIA where the tenuity period of this policy is for twenty years also i am holding it since from last 15 years. The premium i am paying for yearly once with this policy.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am holding the JEEVAN SATHI policy with the LIFE INSURANCE CORPORATION OF INDIA since from last fifteen years as the maturity period is for twenty years with this life insurance policy. It gives the life coverage after the maturity period.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am using the LIFE INSURANCE CORPORATION OF INDIA since from last 15 years where i have purchased the JEEVAN SARAL policy which gives the policy coverage is for complete family where the maturity period is for twenty years also the premium i pay by yearly once.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The name of the policy is JEEVA ANAND policy that i have purchased it through the LIFE INSURANCE CORPORATION OF INDIA before 15 years. where the maturity period is for twenty years also the policy coverage is for complete family. The premium i pay on yearly once.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have purchased the life insurance policy with the LIFE INSURANCE CORPORATION OF INDIA where the name of the policy is MONEY BACK where i am holding it since from last 15 years. It gives the life coverage after the maturity period with this insurance policy.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I am holding the BHIMA GOLD policy with the LIFE INSURANCE CORPORATION OF INDIA LIFE INSURANCE CORPORATION OF INDIA where i have been using it from last 10 years. The premium i pay for 3 months once also the maturity period is for 15 years with this policy.
      Was this review helpful? 0
      , yamuna nagar
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have taken the JEEVAN SARAL policy with the LIFE INSURANCE CORPORATION OF INDIA where the maturity period is for 12 years also the premium i pay for 3 months once for this insurance policy. It gives the self coverage with this insurance policy.
      Was this review helpful? 1
      , yamuna nagar
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      LIFE INSURANCE CORPORATION OF INDIA is the insurance provider where i have taken the life insurance policy. I am not aware of the name of the policy but it is a life insurance policy where the maturity period is 20 years along with that it gives the life and accidental coverage with this policy.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jan 30, 2019
    • LIC Life Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I have taken the life insurance policy of CHILD PLAN with the LIFE INSURANCE CORPORATION OF INDIA where i am using it since from last en years also the maturity period if this policy is for 20 years and the premium i pay yearly once. It gives the self coverage.
      Was this review helpful? 1
      , nagpur
      Reviewed on Jan 30, 2019
    • Bankbazaarinsurance.com Life Insurance
      "CONVENIENT PORTAL TO USE"
      0.5 3.0/5 "Satisfactory"
      It is the first time experience with the Bankbazarinsurance.com where i am using it through the website as the portal is user friendly also it i s convenient to access. the customer servcie is good but if they respond properly and correctly it would be better.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 30, 2019
    • ICICI Prudential Life Insurance
      "GOOD POLICY"
      0.5 3.0/5 "Satisfactory"
      The reason for taking the life insurance policy with the ICICI PRUDENTIAL is because it is good policy to use. Premium and the IDV value is satisfactory wit this insurance policy. It is the term plan, i have not received the hard copy yet with this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 30, 2019
    • ICICI Prudential Life Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I have purchased the accidental policy with the ICICI PRUDENTIAL where in am using it since from last one year and it gives the coverage for self for any accidentals. Premium i am paying it on 6 months once as 6k-10k with this insurance policy.
      Was this review helpful? 0
      , nizamabad
      Reviewed on Jan 29, 2019
    • LIC Life Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have taken the life insurance policy with the LIFE INSURANCE CORPORATION OF INDIA and the name of the policy is JEEVAN SREE plan where the maturity period is for 22 years and i got the sum assured amount added on that they are giving the coverage after the maturity.
      Was this review helpful? 0
      , nizamabad
      Reviewed on Jan 29, 2019
    • ICICI Prudential Life Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have taken the EULIP policy with the ICICI PRUDENTIAL where it gives the self coverage also the maturity period of this policy is for 20 years. Premium i pay on monthly basis with this policy. The documentation process is simple and easy to get the policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 29, 2019
    • LIC Life Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      LIFE INSURANCE CORPORATION OF INDIA is life insurance provider where i have taken the MONEY BACK policy with this and i am using from last few years and the policy has got matured. The maturity period is for 15 years where the premium i pay yearly once.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 29, 2019
    • Bharti Axa Life Life Insurance
      "BETTER"
      0.5 3.5/5 "Pretty good"
      I am holding the life insurance policy with the BHARATI AXXAwhere i have been using it since from last two years and the name of the policy is CHILD PLAN where the maturity period is for 10 years. I am paying premium for 6 months once with this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Life Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 5.0/5 "Blown Away!"
      The customer service is very good and i am very much satisfied because they have supported by getting the life insurance policy also they are responsive. It is the first time experience and i am using it through the mobile application as the portal is user friendly to access.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 29, 2019
    • Aegon Life Life Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the life insurance policy with the AEGON LIFE is because when compared to the other insurance polices it is best. It is the term insurance policy where i pay the premium on monthly basis. The policy coverage is for self and spouse.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 29, 2019
    • LIC Life Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I have been using the life insurance policy with the LIFE INSURANCE CORPORATION OF INDIA since from last 10-15 years where the maturity period of this policy is for long term added on that the policy coverage is for complete family. Premium i pay on yearly once for this insurance.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 29, 2019
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    *The customer reviews/feedback/opinions expressed on this website are solely of their authors and do not reflect, in any way, the view of BankBazaar Insurance.