The services rendered by Insurance, spread wide range offering many policies and schemes. Among all the services Claim plays a vital role in Insurance. If any problem is claimed with all the particular and related papers the company will solve the problem in a week itself. If the details submitted are not correct and perfect, you become the whole sufferer in order to get your work done by the company. The below mentioned are the papers that are to be attached while claiming in the Insurance.

Life Insurance:

There are two types of claims in Life Insurance. One is Maturity claim and the other is Death claim. Maturity claim is the claim where the money is given after the policy period is over where many insurance companies deposit money into your account or send a cheque is been sent to your address. A letter is been sent to your address one month before with all the details about the maturity of the claim & the only thing you have to do is to sign on that paper & if any such paper is not sent to your address consult your nearest  insurance branch or agent.

Death claim:

The process for the death claim is a long one compared to that of Maturity claim. Here the matured amount is been paid to the nominee only after a keen observation of all the papers submitted by the insurer. The claim is been settled in one week only if all the papers submitted are perfect and clear. But, according to IRDA a claim has to be settled in 30 days from the day when it was claimed otherwise the insurer can consult the Insurance cell where the problems are been rectified.

First thing to do is:

If a policy holder dies and wants to claim, the death news has to be mentioned to the Insurance Company in a written form.

The details like name of the policy holder, policy number, date of death, reason of death and the other details which are mentioned during the time of claim are to be mentioned.

The claim form can get from the nearest Insurance branch or from an agent or even download from the company website. For further information we can also call company helpline in order to claim.

These are to be attached:

Death certificate and policy original document are to be attached to the company in request of claim.

If the death is caused by accident the FIR and postmortem report are to be submitted.

If the death is caused by means of any disease the doctor certificate and discharge papers are to be attached along with the claim.

If the information given by you is accepted by the Insurance company the claim will be settled easily or otherwise the company had rights to ask for additional information.