Personal Accident Insurance Claim Services

There are three types of claims for personal accident: Death, Permanent & Partial Disablement, Temporary disablement claims.

In case of any accidental claim, intimate the claim to the insurer in writing or give a call at the toll free number of the policy giving full details of the claim. A claim number will be generated.
Depending on the nature of the claim, documents are to be submitted to the insurance company for processing.
On receipt of documents, the claims scrutiny is done by the insurer as per policy coverage.
For approved cases, settlement letter is mailed/couriered to the insured/proposer and payment is released through NEFT/RTGS by the insurance company.
For queried cases, query letter is sent to the client requesting for additional documents/information. Reminders are sent to the client and if the requested documents are not received after reminders, the claim closure letter is sent to the insured.
For rejected cases, rejection letter is sent to the insured mentioning sufficient reasons as per the terms and conditions of the policy.

Documents for Claim
The following is an indicative list of documents required for processing a claim:

Death Claim

Disablement Claims

Policy copy
Claim form
Attending doctor’s report with Medico Legal Certificate (MLC)
Original disability certificate from the doctor
Investigation / laboratory reports and other medical case papers
Original discharge summary if hospitalised
Attested copy of FIR /Panchnama
Police Inquest report, where applicable
In case of permanent total disability, disability certificate from competent authority

Weekly Benefit Claims
Policy copy