Insurance claim documents is very important to claim any insurance benefits. It is true that when an insurance employee offer you a policy it seems that it is very easy to get insurance benefits but when you fall a trouble and claim benefits from insurance then you will have been learnt how much document they ask for. Here some case study are given below:
The following documents for death claim:
Mandatory documents required
- Original policy documents
- Original/attested copy of death certificate issued by local authority
- Death claim application form
- EFT mandate form attested by bank authorities along with a cancelled cheque book.
- Nominee’s photo identity proof such as copy of Passport, Voter identity card, any photo enclosed card, etc.
Additional documents required on basis of cause of death
- Medical/Natural death:
- Attending physician’s statement
- Medical records (admission notes, discharge/death summary, test reports, etc.)
- Accidental picture
- Copy of the First Information Report (FIR) from Police complaint
- Copy of Post Mortem report /Autopsy and Viscera report
- Copy of the Final Police Investigation report/Charge sheet
The following documents for health claim.
- Health claim application form
- Attending physician’s statement
- Attested copies of all medical records
- EFT mandate form
Following documents and details you should be ready for motor insurance claim:
- Proof of insurance (policy document or cover note) which mentions your policy number
- Engine number and chassis number
- Accident details like location, date and time of the accident
- Km. reading of the car
- Duly filled claim form
- FIR copy (in case of third party property damage / death / body injury)
- RC copy of the vehicle
- Driving license copy
Accident Claims
- Police investigation report
- Tax Receipt
- Estimate for repairs from the repairer where the vehicle is to be repaired
- Original repair invoice, payment receipt.
- Claims Discharge Cum Satisfaction letter signed across a Revenue Stamp
- Vehicle inspection address, if you have not taken the vehicle to the nearest garage
Theft Claims
- Tax Payment Receipt
- Previous insurance details – Policy number, insuring Office/Company, period of insurance
- The sets of keys/Service Booklet/Warranty Card
- Claim Discharge Voucher signed across a Revenue Stamp
Fire Claim
- Properly filled and signed the claim form.
- A List of damaged contents or items.
- Newspaper cuttings/Fire Brigade report/Panchnama.
- Photographs of the damaged site and/or goods.
- An estimation of the insurance claim.
- The insurance policy copy.
- Any other additional or relevant information that the insured may like to submit.
Personal Accident claim
- Properly filled and signed the claim form.
- The insurance policy copy.
- FIR of the accident & in case of a death claim, a Post-mortem report.
- In case of a disability claim, a doctor’s certificate.
- Certificate of Death
The above document are mandatory for claiming insurance benefits. Some additional documents are needed sometime in some special case.
