Losing a loved one is never easy. During this emotionally difficult time, handling formalities like life insurance claims can feel overwhelming. Yet, filing a claim correctly is important to ensure that the financial support promised by the policy reaches your family.
This guide will walk you through the step-by-step process of filing a life insurance claim in India and show you how ClaimChase can take the burden off your shoulders and help you settle the claim faster and more confidently.
📂 Types of Life Insurance Claims
Before we begin, it’s important to understand what kind of claim you’re filing:
1. Death Claim
Claim raised by the nominee when the policyholder passes away during the policy term.
2. Maturity Claim
If the policyholder survives the term, the insurance company pays the maturity benefit.
3. Rider Claims
Additional coverage for accidental death, critical illness, etc., which can also be claimed separately.
🧾 Documents Required for Filing a Life Insurance Claim
Make sure you have these ready to avoid delays or rejections:
- Original policy document
- Filled and signed claim form
- Death certificate (issued by municipal authorities)
- Identity and address proof of the nominee
- Age proof of the deceased policyholder
- Hospital records or FIR/post-mortem report (if death was accidental or suspicious)
- Bank account details of the nominee (cancelled cheque/passbook copy)
- Any additional documents requested by the insurer
🛠️ Step-by-Step Process to File a Life Insurance Claim
Step 1: Inform the Insurance Company
Notify the insurance provider about the death as soon as possible via phone, email, or in-person.
Step 2: Download and Fill the Claim Form
Most insurers have downloadable claim forms on their websites. Fill them carefully, avoiding any errors.
Step 3: Collect and Submit Required Documents
Ensure all supporting documents are attached. ClaimChase can assist you with a checklist to avoid missing any critical paperwork.
Step 4: Claim Assessment by the Insurer
The insurer verifies the details, reviews documents, and may conduct an investigation if the death occurred within the first few policy years (early claim).
Step 5: Claim Decision and Payout
Once verified, the insurer either approves and processes the payment or rejects the claim with written reasons.
⏱️ Timeline: IRDAI mandates that life insurance claims should be settled within 30 days of receipt of all documents.
❌ Common Mistakes That Lead to Claim Rejection
- Incomplete or incorrect documents
- Delay in notifying the insurer
- Policy lapsed due to missed premium
- Mismatch in nominee’s name or relationship
- Pre-existing conditions not declared at the time of purchase
🛡️ Why Choose ClaimChase?
At ClaimChase, we know how critical life insurance payouts can be for a family. We’re here to ensure that no genuine claim goes unpaid.
✅ Personalized Claim Support
✅ Fast-track documentation process
✅ Claim reopening services for rejections
✅ Legal help in case of disputes
✅ PAN India support in Hindi, Marathi, English & more
📞 Need Help with a Life Insurance Claim?
If you’re struggling with delays, denials, or paperwork—ClaimChase is here for you.
Let our claim experts handle the tough parts while you focus on healing.
📲 Call us now at +91 9373267717
🌐 Visit: www.claimchase.in